Total Assets
$1.3B
Total balance-sheet footings
FDIC Cert #1299 · West Memphis, Arkansas · Est. 1925
Evolve Bank & Trust - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $1.3B
- Total assets
- C
- Health grade · Fair
- -0.20%
- Return on assets
- 17.7%
- Tier 1 capital
Data updated July 2026
The verdict
Evolve Bank & Trust earns a PlainBankData health grade of C (60/100), with well-capitalized at 17.73% Tier 1, -0.20% ROA, 104% efficiency ratio.
- #856
- largest of 4,313 FDIC banks by assets
- 80th
- percentile by asset size, nationally
- 17.73%
- Tier 1 ratio - above the 10% well-capitalized line
- 4th
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
How Evolve Bank & Trust's 60/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Evolve Bank & Trust's composite health score
Tier 1 Capital Ratio (17.73%) 40/40
Return on Assets (ROA) (-0.20%) 0/25
Texas Ratio (4.26%) 20/20
Efficiency Ratio (104.39%) 0/15
60 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.1B
Customer-funded liabilities
Net Loans
$875M
Outstanding loan book
Net Income
$-3,020K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Evolve Bank & Trust ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Evolve Bank & Trust's score of 60/100 falls in the highlighted band.
Evolve Bank & Trust's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Evolve Bank & Trust's $1.3B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
17.73% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
17.73%
Texas Ratio
4.26%
Equity Capital
$162M
Profitability metrics
Return on Assets (ROA)
4th percentile nationally
-0.20%
Return on Equity (ROE)
-1.90%
Efficiency Ratio
104.39%
What the numbers say about Evolve Bank & Trust
Evolve Bank & Trust is an FDIC-insured institution (Certificate #1299) headquartered in West Memphis, Arkansas, established in 1925. It holds $1.3B in total assets - 856th of 4,313 FDIC-insured banks, $1.1B in customer deposits, and $875M in net loans. Looking at capital strength, Tier 1 stands at 17.73%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 4.26%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of C (60/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Arkansas, Evolve Bank & Trust ranks 18th of 78 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$76M
Interest Income
$72M
Non-Interest Income
$115M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Evolve Bank & Trust reports a Texas Ratio of 4.26% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
4.26% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at Evolve Bank & Trust
Evolve Bank & Trust's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-3,020K for the period, a loss that, if sustained, erodes the equity cushion.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Evolve Bank & Trust up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in Arkansas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Evolve Bank & Trust (FDIC Cert #1299) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Arkansas
All Arkansas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Bank OZKLittle Rock | $40.8B | A | 1.78% |
| Arvest BankFayetteville | $27.8B | C | 0.49% |
| Simmons BankPine Bluff | $24.5B | C | -1.40% |
| Centennial BankConway | $22.7B | A | 2.14% |
| First Security BankSearcy | $8.4B | A | 1.81% |
| ENCORE BANKLittle Rock | $3.6B | C | 0.19% |
| First Community BankBatesville | $3.4B | B | 1.09% |
| Farmers Bank & Trust CompanyMagnolia | $3.1B | B | 1.36% |
Frequently asked questions
What is Evolve Bank & Trust's health grade?▼
Evolve Bank & Trust receives a health grade of C (60/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Evolve Bank & Trust?▼
Evolve Bank & Trust holds $1.3B in total assets and $1.1B in deposits, ranking 856th of 4,313 FDIC-insured banks by asset size. It is headquartered in West Memphis, Arkansas.
Is my money safe at Evolve Bank & Trust?▼
Yes, deposits at Evolve Bank & Trust (Certificate #1299) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Evolve Bank & Trust's Tier 1 Capital Ratio?▼
Evolve Bank & Trust has a Tier 1 Capital Ratio of 17.73%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Evolve Bank & Trust?▼
Evolve Bank & Trust has a Texas Ratio of 4.26%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Evolve Bank & Trust?▼
Evolve Bank & Trust has an Efficiency Ratio of 104.39%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Evolve Bank & Trust's profile as a depositor or analyst.
- Evolve Bank & Trust's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Evolve Bank & Trust against other Arkansas banks before moving funds. Arkansas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.