EvaBank: how it compares with its peers
Against 35 AL banks with half to twice its assets, EvaBank's strongest measure in Q2 2026 is return on assets (2.53% vs. a 1.15% peer median). Its weakest relative measure is assets per employee ($7.1M vs. $6.5M).
| Measure | EvaBank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.53% | 1.15% | Top third Ahead of 100% of peers |
| Net interest margin Annualized net interest income over earning assets. | 6.04% | 4.14% | Top third Ahead of 97% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 39.44% | 59.58% | Top third Ahead of 97% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.1M | $6.5M | Top third Ahead of 69% of peers |
| Loans to deposits Net loans and leases over total deposits. | 114.08% | 68.65% | Context |
What it means for lending operations
Its efficiency ratio of 39.44% is better than the 59.58% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Peoples Independent Bank Boaz, AL · $486M
- Robertson Banking Company Demopolis, AL · $463M
- Cullman Savings Bank Cullman, AL · $457M
- The Bank of Vernon Vernon, AL · $445M
- First Jackson Bank, Inc. Stevenson, AL · $444M
- NobleBank & Trust Anniston, AL · $444M
Questions about EvaBank
How big is EvaBank?
EvaBank, established in 1986, is headquartered in Eva, AL. It reported $491M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is EvaBank's return on assets?
2.53% annualized in Q2 2026, against a 1.15% median for 35 AL banks with half to twice its assets, ahead of 100% of them.
What is EvaBank's efficiency ratio?
39.44% in Q2 2026: it spent about 39 cents in noninterest expense for each dollar of revenue. The peer median is 59.58%, and lower is better.
Is EvaBank growing its loans?
Net loans grew 8.3% over the year to Q2 2026, while deposits grew 4.7%.
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 AL 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 Alabama bank ranked.