| Metric | Evolve Bank & Trust | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -18.6% | +5.5% | -24.0 pts |
| Deposit growth (YoY) | -14.0% | +5.1% | -19.1 pts |
| Loan growth (YoY) | -5.0% | +5.9% | -10.9 pts |
| ROA | -0.14% | 1.26% | -1.4 pts |
| ROE | -1.1% | 12.2% | -13.2 pts |
ROA ranks in the 1st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.19B | $980.9M | $888.4M | $161.4M | $-865K | -0.14% | 3.90% | 1.47% |
| Q1 2026 | $1.21B | $997.3M | $885.0M | $161.8M | $-431K | -0.14% | 3.75% | 0.78% |
| Q4 2025 | $1.29B | $1.07B | $874.8M | $162.4M | $-3.0M | -0.20% | 2.84% | 0.64% |
| Q3 2025 | $1.36B | $1.07B | $927.4M | $151.2M | $-14.1M | -1.21% | 2.66% | 0.34% |
| Q2 2025 | $1.46B | $1.14B | $935.3M | $156.2M | $-8.8M | -1.08% | 2.50% | 0.46% |
| Q1 2025 | $1.60B | $1.20B | $964.5M | $160.6M | $-4.3M | -1.01% | 2.25% | 0.46% |
| Q4 2024 | $1.81B | $1.33B | $1.02B | $164.8M | $10.3M | 0.63% | 2.32% | 0.52% |
| Q3 2024 | $1.67B | $1.18B | $1.04B | $164.0M | $8.9M | 0.75% | 2.36% | 0.42% |
Loan mix (Q2 2026): real estate $604.3M · commercial $232.5M · consumer $58.7M · securities $103.2M
| Ratio | Evolve Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.14% | 1.26% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | -1.1% | 12.2% | 1th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.90% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 105.4% | 59.0% | 100th |
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 | Evolve Bank & Trust | 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 | Evolve Bank & Trust | 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 | Evolve Bank & Trust | 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 | Evolve Bank & Trust | 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.