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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 1299 · AR C · 60/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-LOSS · SIZE-REGIONAL · BOOK-FULL

  • GRADE-C C (60/100)
  • LOWER-Q #3758/4307
  • PHOTO-FINISH Mercer County State… · PA
  • TIER1-WELL 17.7% Tier 1
  • TEXAS-CLEAN 4.3% Texas
  • ROA-LOSS -0.20% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Arkansas: Mercer County State Bank, PA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Evolve Bank & Trust

Lowest and highest poles plus nearest scored peers outside Arkansas, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Cumberland Valley Na… · KY ·…60/100Evolve Bank & Trust · AR · t…60/100Mercer County State… · PA · …60/100Method Bank · OK · near60/100SNB Bank, National A… · OK ·…60/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Evolve Bank & Trust · July 2026

What Evolve Bank & Trust's Call Report plate shows

Evolve Bank & Trust (FDIC Cert #1299) carries a PlainBankData health grade of C at 60/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,758 of 4,307. Tier 1 capital prints at 17.73%, clearing the 10% well-capitalized line. The Texas Ratio is 4.26%, inside the sub-50% band analysts treat as healthy. Return on assets is -0.20%. Balance-sheet scale is $1.3B, 856th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Mercer County State Bank (PA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Evolve Bank & Trust

4 FAILURE resolutions in Arkansas since 2000 (3 since 2008)

Evolve Bank & Trust's home state sits in the middle band of post-2000 FAILURE counts (4; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Evolve Bank & Trust remains an active FDIC-insured reporter.

  • ALLIED BANK MULBERRY, AR 2016 → TODAY'S BANK
  • FIRST SOUTHERN BANK BATESVILLE, AR 2010 → SOUTHERN BANK
  • ANB FINANCIAL NATIONAL ASSOCIATION BENTONVILLE, AR 2008 → PULASKI BANK AND TRUST CO

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Arkansas banks.

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.

0/100100/100National avg77/10060/100
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 Assets

$1.3B

Total balance-sheet footings

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

0% 3% 6% 9% 12% 15% 18% 21% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 16.33% 17.73% 19.13%
Basel III capital ratios - Evolve Bank & Trust

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

60 13th percentile higher than 13% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Evolve Bank & Trust 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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 ratios for Evolve Bank & Trust

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

What these ratios mean →

Profitability metrics: Evolve Bank & Trust

Return on Assets (ROA)
4th percentile nationally
-0.20%
Return on Equity (ROE)
-1.90%
Efficiency Ratio
104.39%

What these mean →

Income & expense: loss period at Evolve Bank & Trust

$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.

FDIC Failed Bank List → View Evolve Bank & Trust on FDIC BankFind →

Top banks in Arkansas by total assets

Largest banks headquartered in Arkansas
  1. 1
    Bank OZK $40.8B

    Little Rock, AR · Grade A

  2. 2
    Arvest Bank $27.8B

    Fayetteville, AR · Grade C

  3. 3
    Simmons Bank $24.5B

    Pine Bluff, AR · Grade C

  4. 4
    Centennial Bank $22.7B

    Conway, AR · Grade A

  5. 5
    First Security Bank $8.4B

    Searcy, AR · Grade A

Top 5 banks in Arkansas ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.3B here), outside Arkansas so the neighborhood is not state containment.

Security Bank & Trust Company $1.3B · MN Community National Bank $1.3B · VT SouthStar Bank, S.S.B. $1.3B · TX Wood & Huston Bank $1.3B · MO

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.

Evolve Bank & Trust Call Report profile · FDIC Failed Bank List · Arkansas FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Arkansas

All Arkansas banks →
BankAssetsGradeROA
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%