BlastPoint's Banking Scorecard
EvaBank
Micro
Specialty: Commercial
AL
FDIC cert 26799
Designations: ✓ Community bank
Eva, AL
2498
banks in Micro tier nationally
65 in AL
View Micro leaderboard (AL) →
EvaBank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.45% above tier
- + Net Interest Margin 2.08% above tier
- + Efficiency Ratio 27.00% below tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 38.64% above tier
- - Non-Interest-Bearing Deposit Share 18.46% below tier
- - Nonperforming Asset Ratio 1.34% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$478.2M
+5.4% YoY
+1.0% QoQ
|
+$260.7M |
$217.5M
+2.3% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
Top 3% in tier |
| Total Loans ? |
$376.4M
+7.9% YoY
+2.4% QoQ
|
+$237.2M |
$139.2M
+2.8% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
Top 1% in tier |
| Total Deposits ? |
$332.6M
+8.8% YoY
+1.9% QoQ
|
+$149.0M |
$183.7M
+1.8% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
Top 13% in tier |
| Return on Assets ? |
2.53%
+12.1% YoY
-0.0% QoQ
|
+1.45% |
1.08%
+14.7% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
Top 3% in tier |
| Net Interest Margin ? |
5.93%
+3.0% YoY
+0.3% QoQ
|
+2.08% |
3.85%
+6.6% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Top 2% in tier |
| Efficiency Ratio ? |
40.73%
-14.2% YoY
+4.1% QoQ
|
-27.00% |
67.73%
-4.8% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 2% in tier |
| Delinquency Rate ? |
2.24%
+47.9% YoY
+17.8% QoQ
|
+1.60% |
0.64%
+24.4% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 11% in tier |
| Loan-to-Deposit Ratio ? |
113.17%
-0.8% YoY
+0.5% QoQ
|
+38.64% |
74.53%
+0.5% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
3.93%
+2.9% YoY
+10.8% QoQ
|
-18.46% |
22.39%
-1.3% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
Bottom 4% in tier |
| Nonperforming Asset Ratio ? |
1.79%
+50.1% YoY
+2.0% QoQ
|
+1.34% |
0.45%
+25.1% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
Bottom 8% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
6.46%
-12.3% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.17%
+4.5% YoY
+337.2% QoQ
|
-0.40% |
0.56%
+0.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
17% |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 3%
in Micro
Why this stands out
Current:
2.53%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 2%
in Micro
Why this stands out
Current:
5.93%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
40.73%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (3)
Loan-to-Deposit Ratio
metric
Bottom 3%
in Micro
Why this stands out
Current:
113.17%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 4%
in Micro
Why this stands out
Current:
3.93%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
1.79%
(Tier avg: 0.45%, National avg: 0.48%)
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
Total Loans
Current: $376.4M · Tier avg: $139.2M
98
98th pctile
Efficiency Ratio
Current: 40.73% · Tier avg: 67.73%
98
98th pctile
Net Interest Margin
Current: 5.93% · Tier avg: 3.85%
97
97th pctile
Total Assets
Current: $478.2M · Tier avg: $217.5M
97
97th pctile
Return on Assets
Current: 2.53% · Tier avg: 1.08%
87
87th pctile
Total Deposits
Current: $332.6M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
17
17th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.56%
11
11th pctile
Delinquency Rate
Current: 2.24% · Tier avg: 0.64%
8
8th pctile
Nonperforming Asset Ratio
Current: 1.79% · Tier avg: 0.45%
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 3.93% · Tier avg: 22.39%
3
3th pctile
Loan-to-Deposit Ratio
Current: 113.17% · Tier avg: 74.53%
Top Weaknesses
3
3th pctile
Loan-to-Deposit Ratio
Current: 113.17% · Tier avg: 74.53%
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 3.93% · Tier avg: 22.39%
8
8th pctile
Nonperforming Asset Ratio
Current: 1.79% · Tier avg: 0.45%
11
11th pctile
Delinquency Rate
Current: 2.24% · Tier avg: 0.64%
17
17th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
87
87th pctile
Total Deposits
Current: $332.6M · Tier avg: $183.7M
97
97th pctile
Return on Assets
Current: 2.53% · Tier avg: 1.08%
97
97th pctile
Total Assets
Current: $478.2M · Tier avg: $217.5M
98
98th pctile
Net Interest Margin
Current: 5.93% · Tier avg: 3.85%
98
98th pctile
Efficiency Ratio
Current: 40.73% · Tier avg: 67.73%
99
99th pctile
Total Loans
Current: $376.4M · Tier avg: $139.2M