Evolve Bank & Trust: how it compares with its peers
Against 22 AR banks with half to twice its assets, Evolve Bank & Trust's strongest measure in Q2 2026 is net interest margin (3.90% vs. a 4.03% peer median). Its weakest relative measure is return on assets (-0.14% vs. 1.49%).
| Measure | Evolve Bank & Trust | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -0.14% | 1.49% | Bottom third Ahead of 0% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.90% | 4.03% | Bottom third Ahead of 32% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 105.44% | 57.43% | Bottom third Ahead of 0% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $3.3M | $6.8M | Bottom third Ahead of 0% of peers |
| Loans to deposits Net loans and leases over total deposits. | 90.57% | 87.63% | Context |
What it means for lending operations
Its efficiency ratio of 105.44% is above the 57.43% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Anstaff Bank Green Forest, AR · $1.18B
- First Arkansas Bank and Trust Jacksonville, AR · $1.14B
- Legacy Bank Springdale, AR · $1.27B
- Generations Bank Rogers, AR · $1.09B
- First Service Bank Greenbrier, AR · $1.02B
- Fm Bank And Trust Blytheville, AR · $1.36B
Questions about Evolve Bank & Trust
How big is Evolve Bank & Trust?
Evolve Bank & Trust, established in 1925, is headquartered in West Memphis, AR. It reported $1.19B in total assets in its Q2 2026 FDIC call report and operates 10 offices.
What is Evolve Bank & Trust's return on assets?
-0.14% annualized in Q2 2026, against a 1.49% median for 22 AR banks with half to twice its assets, ahead of 0% of them.
What is Evolve Bank & Trust's efficiency ratio?
105.44% in Q2 2026: it spent about 105 cents in noninterest expense for each dollar of revenue. The peer median is 57.43%, and lower is better.
Is Evolve Bank & Trust growing its loans?
Net loans shrank 5.0% over the year to Q2 2026, while deposits shrank 14.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are AR banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Arkansas bank ranked.