BlastPoint's Banking Scorecard

EvaBank

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

Eva, AL

7 branches across AL

2664 banks in the $100M-$1B peer group nationally 64 in 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 20.6% in tier
+ Net Interest Margin 2.11% above tier average
+ Efficiency Ratio 26.98% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 2.8% in tier
- Non-Interest-Bearing Deposit Share 18.52% below tier average
- Nonperforming Asset Ratio 1.05% above tier average
- Non-Interest Income / Assets 0.25% below tier average
- Delinquency Rate 0.94% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Total Assets ?	$490.0M +4.7% YoY +2.5% QoQ	+$103.9M	$386.1M +0.5% YoY	$2.5B +0.2% YoY	$6.2B +9.1% YoY	71%
Total Loans ?	$380.4M +8.4% YoY +1.1% QoQ	+$124.7M	$255.7M +1.1% YoY	$1.5B +2.4% YoY	$3.2B +10.8% YoY	78%
Total Deposits ?	$342.5M +10.0% YoY +3.0% QoQ	+$14.5M	$328.0M +0.1% YoY	$2.1B -0.2% YoY	$4.8B +8.2% YoY	62%
Return on Assets ?	2.51% +14.1% YoY -0.6% QoQ	+1.24%	1.27% +12.9% YoY	0.78% -19.5% YoY	1.23% +13.4% YoY	Top 4.3% in tier
Net Interest Margin ?	6.04% +9.1% YoY +1.9% QoQ	+2.11%	3.93% +6.0% YoY	3.99% +5.2% YoY	3.89% +5.7% YoY	Top 1.2% in tier
Efficiency Ratio ?	38.31% -19.7% YoY -5.9% QoQ	-26.98%	65.29% -4.5% YoY	72.13% +5.1% YoY	66.95% -4.1% YoY	Top 2.7% in tier
Delinquency Rate ?	1.83% -2.5% YoY -18.2% QoQ	+0.94%	0.89% +18.8% YoY	1.09% +24.8% YoY	0.95% +18.8% YoY	Bottom 14.3% in tier
Loan-to-Deposit Ratio ?	111.08% -1.5% YoY -1.8% QoQ	+34.44%	76.64% +0.8% YoY	67.08% +2.0% YoY	76.70% +0.9% YoY	Bottom 2.6% in tier
Non-Interest-Bearing Deposit Share ?	3.50% -9.9% YoY -10.8% QoQ	-18.52%	22.02% -1.0% YoY	23.89% +0.0% YoY	22.01% -1.2% YoY	Bottom 2.5% in tier
Nonperforming Asset Ratio ?	1.69% +13.0% YoY -5.5% QoQ	+1.05%	0.64% +19.7% YoY	0.71% +24.8% YoY	0.67% +19.3% YoY	Bottom 9.2% in tier
Tier 1 Capital Ratio ?	27.59% -0.2% YoY -1.0% QoQ	+11.76%	15.83% +1.5% YoY	16.96% +13.8% YoY	17.06% +0.8% YoY	Top 4.8% in tier
Non-Interest Income / Assets ?	0.03% +29.9% YoY -82.8% QoQ	-0.25%	0.28% +9.3% YoY	0.16% -16.3% YoY	0.32% +4.1% YoY	Bottom 7.4% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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

#138 of 666 • Top 20.6% in tier

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

Why this signature

Return on Assets: 2.51%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (1)

Liquidity Overhang

risk

#22 of 739 • Bottom 2.8% 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: 27.59%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 111.08%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

Net Interest Margin

profitability

Value: 6.04%

Peer Median: 3.93%

#34 of 2664 Top 1.2% in $100M-$1B

Efficiency Ratio

profitability

Value: 38.31%

Peer Median: 65.29%

#72 of 2664 Top 2.7% in $100M-$1B

116

Return on Assets

profitability

Value: 2.51%

Peer Median: 1.27%

#116 of 2664 Top 4.3% in $100M-$1B

129

Tier 1 Capital Ratio

capital

Value: 27.59%

Peer Median: 15.83%

#129 of 2664 Top 4.8% in $100M-$1B

592

Total Loans

size

Value: $380.40M

Peer Median: $255.72M

#592 of 2664 Top 22.2% in $100M-$1B

Top Weaknesses (5 metrics)

2599

Non-Interest-Bearing Deposit Share

funding

Value: 3.50%

Peer Median: 22.02%

#2599 of 2664 Bottom 2.5% in $100M-$1B

2597

Loan-to-Deposit Ratio

liquidity

Value: 111.08%

Peer Median: 76.64%

#2597 of 2664 Bottom 2.6% in $100M-$1B

2468

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.28%

#2468 of 2664 Bottom 7.4% in $100M-$1B

2420

Nonperforming Asset Ratio

credit_quality

Value: 1.69%

Peer Median: 0.64%

#2420 of 2664 Bottom 9.2% in $100M-$1B

2275

Delinquency Rate

credit_quality

Value: 1.83%

Peer Median: 0.89%

#2275 of 2654 Bottom 14.3% in $100M-$1B