| Metric | D. L. Evans Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.2% | +5.5% | -1.3 pts |
| Deposit growth (YoY) | +7.1% | +5.1% | +2.1 pts |
| Loan growth (YoY) | +6.9% | +5.9% | +1.0 pts |
| ROA | 1.34% | 1.26% | +0.1 pts |
| ROE | 14.8% | 12.2% | +2.6 pts |
ROA ranks in the 58th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.70B | $3.17B | $1.79B | $343.3M | $24.7M | 1.34% | 3.39% | 0.13% |
| Q1 2026 | $3.66B | $3.13B | $1.75B | $332.2M | $13.0M | 1.42% | 3.31% | 0.12% |
| Q4 2025 | $3.68B | $3.14B | $1.73B | $327.2M | $39.1M | 1.12% | 3.28% | 0.11% |
| Q3 2025 | $3.49B | $2.98B | $1.71B | $316.6M | $27.7M | 1.07% | 3.23% | 0.11% |
| Q2 2025 | $3.55B | $2.95B | $1.67B | $302.4M | $17.8M | 1.03% | 3.14% | 0.11% |
| Q1 2025 | $3.38B | $2.86B | $1.60B | $288.6M | $8.4M | 0.99% | 3.07% | 0.12% |
| Q4 2024 | $3.43B | $2.89B | $1.58B | $273.6M | $32.0M | 0.99% | 3.11% | 0.10% |
| Q3 2024 | $3.27B | $2.76B | $1.58B | $285.3M | $23.7M | 0.99% | 3.12% | 0.13% |
Loan mix (Q2 2026): real estate $1.50B · commercial $134.2M · consumer $35.5M · securities $1.33B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | D. L. Evans Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.34% | 1.26% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 14.8% | 12.2% | 72th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.39% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.5% | 59.0% | 27th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | D. L. Evans Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | D. L. Evans Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | D. L. Evans Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | D. L. Evans Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.