BlastPoint's Banking Scorecard
Evolve Bank & Trust
Community
Specialty: Commercial
AR
FDIC cert 1299
West Memphis, AR
1484
banks in Community tier nationally
33 in AR
View Community leaderboard (AR) →
Evolve Bank & Trust has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 45% in Community
- + Non-Interest-Bearing Deposit Share 16.14% above tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 12% in Community
- - Liquidity Overhang: Bottom 45% in Community
- - Return on Assets 1.37% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
-29.0% YoY
-5.1% QoQ
|
-$104.9M |
$1.4B
+2.0% YoY
|
$2.3B
+2.4% YoY
|
$5.9B
+6.5% YoY
|
62% |
| Total Loans ? |
$874.8M
-14.5% YoY
-5.7% QoQ
|
-$100.6M |
$975.5M
+2.4% YoY
|
$1.6B
+6.2% YoY
|
$3.1B
+8.5% YoY
|
63% |
| Total Deposits ? |
$1.1B
-19.5% YoY
+0.3% QoQ
|
-$92.5M |
$1.2B
+1.7% YoY
|
$1.9B
+3.0% YoY
|
$4.7B
+6.3% YoY
|
62% |
| Return on Assets ? |
-0.20%
-131.8% YoY
+83.3% QoQ
|
-1.37% |
1.16%
+17.2% YoY
|
1.19%
+9.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 2% in tier |
| Net Interest Margin ? |
2.84%
+22.3% YoY
+6.6% QoQ
|
-0.82% |
3.66%
+9.1% YoY
|
4.00%
+8.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 12% in tier |
| Efficiency Ratio ? |
104.39%
+16.7% YoY
-14.9% QoQ
|
+41.76% |
62.63%
-5.3% YoY
|
63.04%
-5.8% YoY
|
65.09%
-5.1% YoY
|
Bottom 1% in tier |
| Delinquency Rate ? |
0.86%
-6.1% YoY
+90.1% QoQ
|
+0.23% |
0.63%
+18.3% YoY
|
0.91%
+44.6% YoY
|
0.66%
+20.3% YoY
|
30% |
| Loan-to-Deposit Ratio ? |
81.60%
+6.1% YoY
-5.9% QoQ
|
-1.46% |
83.06%
+0.3% YoY
|
80.90%
+1.0% YoY
|
78.04%
+0.7% YoY
|
59% |
| Non-Interest-Bearing Deposit Share ? |
37.18%
+71.1% YoY
+25.0% QoQ
|
+16.14% |
21.05%
-0.9% YoY
|
19.14%
-0.5% YoY
|
21.79%
-1.3% YoY
|
Top 6% in tier |
| Nonperforming Asset Ratio ? |
0.64%
+23.5% YoY
+86.4% QoQ
|
+0.14% |
0.50%
+20.3% YoY
|
0.66%
+38.2% YoY
|
0.48%
+20.8% YoY
|
32% |
| Tier 1 Capital Ratio ? |
17.73%
+16.9% YoY
+19.2% QoQ
|
+7.49% |
10.24%
-0.6% YoY
|
7.07%
-13.2% YoY
|
9.75%
-1.9% YoY
|
Top 12% in tier |
| Non-Interest Income / Assets ? |
5.62%
-4.1% YoY
+35.0% QoQ
|
+4.88% |
0.74%
-1.3% YoY
|
0.76%
-21.3% YoY
|
0.65%
+0.6% YoY
|
Top 1% in tier |
Signature Analysis
Strengths (2)
Revenue Diversifier
growth
#167 of 371 · Top 45% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
5.62%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
-0.20%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
Non-Interest-Bearing Deposit Share
metric
Top 6%
in Community
Why this stands out
Current:
37.18%
(Tier avg: 21.05%, National avg: 21.79%)
Concerns (3)
Efficiency Drag
risk
#19 of 152 · Bottom 12% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
104.39%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Liquidity Overhang
risk
#121 of 268 · Bottom 45% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
17.73%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
81.60%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
Return on Assets
metric
Bottom 2%
in Community
Why this stands out
Current:
-0.20%
(Tier avg: 1.16%, National avg: 1.12%)
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
99
99th pctile
Non-Interest Income / Assets
Current: 5.62% · Tier avg: 0.74%
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 37.18% · Tier avg: 21.05%
88
88th pctile
Tier 1 Capital Ratio
Current: 17.73% · Tier avg: 10.24%
63
63th pctile
Total Loans
Current: $874.8M · Tier avg: $975.5M
62
62th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
62
62th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
59
59th pctile
Loan-to-Deposit Ratio
Current: 81.60% · Tier avg: 83.06%
32
32th pctile
Nonperforming Asset Ratio
Current: 0.64% · Tier avg: 0.50%
30
30th pctile
Delinquency Rate
Current: 0.86% · Tier avg: 0.63%
12
12th pctile
Net Interest Margin
Current: 2.84% · Tier avg: 3.66%
2
2th pctile
Return on Assets
Current: -0.20% · Tier avg: 1.16%
1
1th pctile
Efficiency Ratio
Current: 104.39% · Tier avg: 62.63%
Top Weaknesses
1
1th pctile
Efficiency Ratio
Current: 104.39% · Tier avg: 62.63%
2
2th pctile
Return on Assets
Current: -0.20% · Tier avg: 1.16%
12
12th pctile
Net Interest Margin
Current: 2.84% · Tier avg: 3.66%
30
30th pctile
Delinquency Rate
Current: 0.86% · Tier avg: 0.63%
32
32th pctile
Nonperforming Asset Ratio
Current: 0.64% · Tier avg: 0.50%
59
59th pctile
Loan-to-Deposit Ratio
Current: 81.60% · Tier avg: 83.06%
62
62th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
62
62th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
63
63th pctile
Total Loans
Current: $874.8M · Tier avg: $975.5M
88
88th pctile
Tier 1 Capital Ratio
Current: 17.73% · Tier avg: 10.24%
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 37.18% · Tier avg: 21.05%
99
99th pctile
Non-Interest Income / Assets
Current: 5.62% · Tier avg: 0.74%