EvaBank
Total assets
$490.6M
▲ +5.1% YoY
Deposits
$340.6M
▲ +4.7% YoY
Loans
$388.5M
▲ +8.3% YoY
Offices
7
ROA (annualized)
2.53%
peers 1.24%
ROE (annualized)
9.02%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | EvaBank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +4.4% | +0.7 pts |
| Deposit growth (YoY) | +4.7% | +4.0% | +0.8 pts |
| Loan growth (YoY) | +8.3% | +5.6% | +2.7 pts |
| ROA | 2.53% | 1.24% | +1.3 pts |
| ROE | 9.0% | 11.9% | -2.8 pts |
ROA ranks in the 96th percentile of its peer group · Q2 2026
Profile
- Established
- 1986
- Charter
- State
- Primary regulator
- FDIC
- Specialization
- Commercial Lending Specialization
- Address
- 4113 Eva Rd, Eva, AL, 35621
- County
- Morgan
- Metro area
- Decatur, AL
- Offices
- 7
- FDIC cert #
- 26799
- RSSD ID
- 498531
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $490.6M | $340.6M | $388.5M | $138.6M | $6.1M | 2.53% | 6.04% | 1.74% |
| Q1 2026 | $490.0M | $342.5M | $380.4M | $135.7M | $3.0M | 2.51% | 6.04% | 1.69% |
| Q4 2025 | $478.2M | $332.6M | $376.4M | $134.2M | $11.8M | 2.53% | 5.93% | 1.79% |
| Q3 2025 | $473.4M | $326.3M | $367.6M | $133.8M | $8.8M | 2.53% | 5.92% | 1.75% |
| Q2 2025 | $466.8M | $325.3M | $358.8M | $130.0M | $5.7M | 2.48% | 5.80% | 2.10% |
| Q1 2025 | $468.1M | $311.3M | $350.9M | $128.3M | $2.5M | 2.20% | 5.54% | 1.50% |
| Q4 2024 | $453.8M | $305.7M | $348.8M | $126.9M | $9.8M | 2.26% | 5.76% | 1.19% |
| Q3 2024 | $450.9M | $300.1M | $339.3M | $127.6M | $7.6M | 2.35% | 5.78% | 1.13% |
Loan mix (Q2 2026): real estate $381.5M · commercial $3.4M · consumer $11.3M · securities $76.0M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | EvaBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.53% | 1.24% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 9.0% | 11.9% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.04% | 3.96% | 99th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 39.4% | 62.9% | 3th | |
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% |
Balance sheet
| Ratio | EvaBank | 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% |
Capital
| Ratio | EvaBank | 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% |
Credit quality
| Ratio | EvaBank | 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% |
Franchise
| Ratio | EvaBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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