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EvaBank

$100M-$1B Specialty: Commercial AL FDIC cert 26799

Eva, AL

7 branches across AL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 63 in AL.
  • Deposits +4.7% year over year ($340.6M on the books).
  • Delinquency rate 1.64%.
  • Return on assets 2.53%.
  • Efficiency ratio 39.44% vs a 64.48% peer average.
  • Loan-to-deposit ratio 114.08% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 63 in AL
View $100M-$1B leaderboard (AL) →

EvaBank has 3 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Profitability Leader: Top 38.4% in tier
  • + Net Interest Margin 2.05% above tier average
  • + Efficiency Ratio 25.04% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 3.0% in tier
  • - Non-Interest-Bearing Deposit Share 18.47% below tier average
  • - Nonperforming Asset Ratio 1.07% above tier average
  • - Non-Interest Income / Assets 0.50% below tier average
  • - Delinquency Rate 0.73% above tier average
Get updates when EvaBank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Total Assets ? $490.6M
+5.1% YoY +0.1% QoQ
+$104.0M $386.6M
+1.2% YoY
$2.5B
+1.5% YoY
$6.3B
+7.7% YoY
71%
Total Loans ? $388.5M
+8.3% YoY +2.1% QoQ
+$130.2M $258.3M
+1.7% YoY
$1.6B
+2.8% YoY
$3.2B
+9.4% YoY
78%
Total Deposits ? $340.6M
+4.7% YoY -0.6% QoQ
+$13.8M $326.7M
+0.7% YoY
$2.1B
+0.3% YoY
$4.9B
+7.3% YoY
62%
Return on Assets ? 2.53%
+1.8% YoY +0.5% QoQ
+1.21% 1.32%
+10.8% YoY
0.89%
-13.0% YoY
1.30%
+12.1% YoY
Top 4.5% in tier
Net Interest Margin ? 6.04%
+4.1% YoY -0.1% QoQ
+2.05% 3.99%
+5.0% YoY
4.02%
+3.4% YoY
3.95%
+4.9% YoY
Top 1.5% in tier
Efficiency Ratio ? 39.44%
+0.7% YoY +3.0% QoQ
-25.04% 64.48%
-3.2% YoY
69.53%
+4.0% YoY
70.05%
+2.5% YoY
Top 3.6% in tier
Delinquency Rate ? 1.64%
-33.0% YoY -10.1% QoQ
+0.73% 0.92%
+15.7% YoY
1.13%
+25.5% YoY
0.98%
+16.3% YoY
17%
Loan-to-Deposit Ratio ? 114.08%
+3.4% YoY +2.7% QoQ
+36.13% 77.95%
+1.0% YoY
67.62%
+0.9% YoY
79.03%
+2.3% YoY
Bottom 2.0% in tier
Non-Interest-Bearing Deposit Share ? 3.56%
-12.8% YoY +1.7% QoQ
-18.47% 22.03%
-0.6% YoY
24.04%
+0.1% YoY
21.98%
-0.6% YoY
Bottom 2.5% in tier
Nonperforming Asset Ratio ? 1.74%
-17.2% YoY +3.1% QoQ
+1.07% 0.67%
+16.4% YoY
0.74%
+25.2% YoY
0.69%
+15.8% YoY
Bottom 9.5% in tier
Tier 1 Capital Ratio ? 27.85%
+0.9% YoY +0.9% QoQ
+11.94% 15.91%
+1.4% YoY
15.01%
+1.3% YoY
17.09%
+0.8% YoY
Top 5.0% in tier
Non-Interest Income / Assets ? 0.07%
+158.9% YoY +136.8% QoQ
-0.50% 0.57%
+7.6% YoY
0.35%
-14.4% YoY
0.66%
+5.2% YoY
Bottom 9.3% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Noninterest-Bearing 3.6%
-0.5pp YoY
+0.1pp QoQ
 -18.6pp 22.1% 24.0% 22.2% 2%
Brokered Deposits 3.3%
-4.1pp YoY
-3.3pp QoQ
 -4.5pp 7.9% 5.5% 8.5% 40%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
C&I 0.9%
-0.2pp YoY
-0.1pp QoQ
 -10.7pp 11.6% 16.9% 12.5% 3%
CRE 73.7%
+5.0pp YoY
+1.3pp QoQ
 +34.1pp 39.5% 43.5% 41.4% 95%
1-4 Family 24.1%
-4.3pp YoY
-1.0pp QoQ
 -8.5pp 32.6% 30.6% 31.3% 39%
Consumer 2.9%
-0.4pp YoY
-0.1pp QoQ
 -1.2pp 4.1% 5.7% 5.0% 59%

Capital

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.1% 19.7% n/a
Leverage Ratio 27.8%
+0.3pp YoY
+0.3pp QoQ
 +15.7pp 12.2% 13.2% 12.6% 99%
Total Capital Ratio n/a n/a 19.9% 16.2% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Full-Time Employees 69
-5 (-6.8%) YoY
-3 (-4.2%) QoQ
 +10 58 304 482 70%
Assets per Employee ($) $7.1M
+12.7% YoY
+4.5% QoQ
 -$408K $7.5M $6.9M $8.8M 54%
Branch Count 7
0 YoY
0 QoQ
 +2 4 20 18 75%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 1.6%
-0.8pp YoY
-0.2pp QoQ
 +0.7pp 0.9% 1.2% 1.0% 83%
Allowance Coverage 1.43x
+49.6% YoY
+9.5% QoQ
 -22.73x 24.15x 7.50x 20.23x 38%
Net Charge-off Rate (YTD) 0.4%
+0.1pp YoY
+0.1pp QoQ
 +0.3pp 0.1% 0.3% 0.2% 92%

Profitability

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
ROE 9.0%
+0.1pp YoY
0.0pp QoQ
 -3.2pp 12.2% 10.0% 11.6% 31%
Cost of Funds (YTD) 2.1%
-0.3pp YoY
0.0pp QoQ
 +0.4pp 1.7% 1.7% 1.7% 77%
Net Income ($, YTD) $6.1M
+7.0% YoY
— QoQ
 +$3.6M $2.6M $17.2M $40.4M 92%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth
#255 of 661 • Top 38.4% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.53%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (1)

Liquidity Overhang

risk
#23 of 742 • Bottom 3.0% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 27.85%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 114.08%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

40
Net Interest Margin
profitability
Value: 6.04%
Peer Median: 3.99%
#40 of 2643 Top 1.5% in $100M-$1B
95
Efficiency Ratio
profitability
Value: 39.44%
Peer Median: 64.48%
#95 of 2643 Top 3.6% in $100M-$1B
121
Return on Assets
profitability
Value: 2.53%
Peer Median: 1.32%
#121 of 2643 Top 4.5% in $100M-$1B
132
Tier 1 Capital Ratio
capital
Value: 27.85%
Peer Median: 15.91%
#132 of 2643 Top 5.0% in $100M-$1B
580
Total Loans
size
Value: $388.50M
Peer Median: $258.35M
#580 of 2643 Top 21.9% in $100M-$1B

Top Weaknesses (5 metrics)

2590
Loan-to-Deposit Ratio
liquidity
Value: 114.08%
Peer Median: 77.95%
#2590 of 2643 Bottom 2.0% in $100M-$1B
2578
Non-Interest-Bearing Deposit Share
funding
Value: 3.56%
Peer Median: 22.03%
#2578 of 2643 Bottom 2.5% in $100M-$1B
2399
Non-Interest Income / Assets
revenue_mix
Value: 0.07%
Peer Median: 0.57%
#2399 of 2643 Bottom 9.3% in $100M-$1B
2394
Nonperforming Asset Ratio
credit_quality
Value: 1.74%
Peer Median: 0.67%
#2394 of 2643 Bottom 9.5% in $100M-$1B
2191
Delinquency Rate
credit_quality
Value: 1.64%
Peer Median: 0.92%
#2191 of 2633 Bottom 16.8% in $100M-$1B
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