BlastPoint's Banking Scorecard
D. L. Evans Bank
Community
Specialty: Commercial
ID
FDIC cert 11666
Burley, ID
1484
banks in Community tier nationally
6 in ID
View Community leaderboard (ID) →
D. L. Evans Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 14% in Community
- - Credit Risk Growth: Bottom 41% in Community
- - Loan-to-Deposit Ratio 28.02% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.7B
+7.1% YoY
+5.3% QoQ
|
+$2.3B |
$1.4B
+2.0% YoY
|
$1.2B
+9.6% YoY
|
$5.9B
+6.5% YoY
|
Top 5% in tier |
| Total Loans ? |
$1.7B
+9.8% YoY
+0.9% QoQ
|
+$754.5M |
$975.5M
+2.4% YoY
|
$704.6M
+11.9% YoY
|
$3.1B
+8.5% YoY
|
Top 15% in tier |
| Total Deposits ? |
$3.1B
+8.6% YoY
+5.4% QoQ
|
+$2.0B |
$1.2B
+1.7% YoY
|
$1.0B
+11.0% YoY
|
$4.7B
+6.3% YoY
|
Top 4% in tier |
| Return on Assets ? |
1.12%
+12.7% YoY
+4.7% QoQ
|
-0.05% |
1.16%
+17.2% YoY
|
1.43%
+51.8% YoY
|
1.12%
+15.6% YoY
|
49% |
| Net Interest Margin ? |
3.28%
+5.5% YoY
+1.6% QoQ
|
-0.38% |
3.66%
+9.1% YoY
|
4.08%
+4.0% YoY
|
3.75%
+7.1% YoY
|
29% |
| Efficiency Ratio ? |
57.45%
-6.3% YoY
-2.2% QoQ
|
-5.19% |
62.63%
-5.3% YoY
|
58.36%
-7.0% YoY
|
65.09%
-5.1% YoY
|
65% |
| Delinquency Rate ? |
0.23%
+11.0% YoY
+8.2% QoQ
|
-0.39% |
0.63%
+18.3% YoY
|
0.81%
+590.7% YoY
|
0.66%
+20.3% YoY
|
67% |
| Loan-to-Deposit Ratio ? |
55.04%
+1.1% YoY
-4.3% QoQ
|
-28.02% |
83.06%
+0.3% YoY
|
70.60%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Bottom 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
33.48%
-1.2% YoY
+2.4% QoQ
|
+12.44% |
21.05%
-0.9% YoY
|
29.44%
-0.7% YoY
|
21.79%
-1.3% YoY
|
Top 10% in tier |
| Nonperforming Asset Ratio ? |
0.11%
+13.8% YoY
+3.6% QoQ
|
-0.39% |
0.50%
+20.3% YoY
|
0.45%
+564.3% YoY
|
0.48%
+20.8% YoY
|
76% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
11.99%
+4.7% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.50%
+8.1% YoY
+43.4% QoQ
|
-0.24% |
0.74%
-1.3% YoY
|
0.58%
-1.7% YoY
|
0.65%
+0.6% YoY
|
48% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Credit Quality Pressure
risk
#117 of 808 · Bottom 14% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.23%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Credit Risk Growth
risk
#264 of 642 · Bottom 41% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Loan-to-Deposit Ratio
metric
Bottom 6%
in Community
Why this stands out
Current:
55.04%
(Tier avg: 83.06%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
96
96th pctile
Total Deposits
Current: $3.1B · Tier avg: $1.2B
95
95th pctile
Total Assets
Current: $3.7B · Tier avg: $1.4B
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 33.48% · Tier avg: 21.05%
85
85th pctile
Total Loans
Current: $1.7B · Tier avg: $975.5M
76
76th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.50%
67
67th pctile
Delinquency Rate
Current: 0.23% · Tier avg: 0.63%
65
65th pctile
Efficiency Ratio
Current: 57.45% · Tier avg: 62.63%
49
49th pctile
Return on Assets
Current: 1.12% · Tier avg: 1.16%
48
48th pctile
Non-Interest Income / Assets
Current: 0.50% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
29
29th pctile
Net Interest Margin
Current: 3.28% · Tier avg: 3.66%
6
6th pctile
Loan-to-Deposit Ratio
Current: 55.04% · Tier avg: 83.06%
Top Weaknesses
6
6th pctile
Loan-to-Deposit Ratio
Current: 55.04% · Tier avg: 83.06%
29
29th pctile
Net Interest Margin
Current: 3.28% · Tier avg: 3.66%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
48
48th pctile
Non-Interest Income / Assets
Current: 0.50% · Tier avg: 0.74%
49
49th pctile
Return on Assets
Current: 1.12% · Tier avg: 1.16%
65
65th pctile
Efficiency Ratio
Current: 57.45% · Tier avg: 62.63%
67
67th pctile
Delinquency Rate
Current: 0.23% · Tier avg: 0.63%
76
76th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.50%
85
85th pctile
Total Loans
Current: $1.7B · Tier avg: $975.5M
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 33.48% · Tier avg: 21.05%
95
95th pctile
Total Assets
Current: $3.7B · Tier avg: $1.4B
96
96th pctile
Total Deposits
Current: $3.1B · Tier avg: $1.2B