Loading bank profile
Data through Q3 2026 · 4,200 institutions
Regulatory profile
Eva, AL · FDIC certificate #26799
EVABANK is an FDIC-insured institution based in Eva, AL (FDIC certificate #26799). In its Q3 2026 Call Report it reported total assets of $488M, total deposits of $340M and net loans of $388M. Its primary federal regulator is FDIC.
Plain-language readout
EVABANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $491M in Q2 2026 and were lowest at $488M in Q3 2026.
Total deposits were highest at $342M in Q1 2026 and lowest at $340M in Q3 2026.
Over the whole period total assets fell 0.4%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $488M | $340M | $388M | 2.29% | 8.16% | 6.06% |
| Q2 2026 | $491M | $341M | $389M | 2.53% | 9.02% | 6.04% |
| Q1 2026 | $490M | $342M | $380M | 2.51% | 9.01% | 6.04% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $13.7M | $18.7M | -$5.0M | -26.7% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $76.0M | $79.3M | -$3.3M | -4.1% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $388.5M | $380.4M | +$8.1M | +2.1% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $4.8M | $4.9M | -$120K | -2.4% |
| Other real estate owned | $2.2M | $1.3M | +$834K | +63.0% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $5.3M | $5.2M | +$115K | +2.2% |
| Total assets | $490.6M | $490.0M | +$652K | +0.1% |
| Liabilities | ||||
| Total deposits | $340.6M | $342.5M | -$1.9M | -0.6% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $5.0M | $5.0M | $0K | 0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $6.4M | $6.8M | -$336K | -5.0% |
| Total liabilities | $352.0M | $354.2M | -$2.2M | -0.6% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $2K | $2K | $0K | 0.0% |
| Surplus | $8.7M | $8.7M | $0K | 0.0% |
| Retained earnings | $125.7M | $123.5M | +$2.2M | +1.8% |
| Accumulated other comprehensive income | $4.3M | $3.6M | +$690K | +19.3% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $138.6M | $135.7M | +$2.9M | +2.1% |
| Credit and capital | ||||
| Gross nonperforming assets | $8.5M | $8.3M | +$266K | +3.2% |
| Adjusted nonperforming assets | $8.5M | $8.3M | +$266K | +3.2% |
| Tangible equity plus allowance | $147.7M | $144.8M | +$3.0M | +2.0% |
| Texas ratio (gross) | 5.78% | 5.72% | +0.07 pts | See points |
| Texas ratio (adjusted) | 5.78% | 5.72% | +0.07 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 8.88% | 6.72% | +2.16 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 27.85% | 27.59% | +0.26 pts | See points |
| Construction and land loans to total capital | 51.76% | 45.76% | +6.00 pts | See points |
| Commercial real estate to total capital | 108.29% | 102.91% | +5.37 pts | See points |
| Dividend payout, year to date | 29.05% | 29.32% | -0.27 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | 4.02% | 3.43% | +0.59 pts | See points |
| Liquidity | ||||
| Core deposits | $269.4M | $255.9M | +$13.6M | +5.3% |
| Non-core funding | $76.1M | $91.6M | -$15.5M | -16.9% |
| Loans to core deposits | 147.59% | 152.22% | -4.63 pts | See points |
| Loans to deposits | 116.76% | 113.73% | +3.03 pts | See points |
| Brokered deposits share of deposits | 3.34% | 6.69% | -3.35 pts | See points |
| Pledged securities share of securities | 10.20% | 9.71% | +0.49 pts | See points |
| Loans pledged, share of loans | 14.86% | 10.06% | +4.81 pts | See points |
| Volatile liabilities | $88.3M | $99.5M | -$11.3M | -11.3% |
| Earnings | ||||
| Earnings before provision, year to date | $8.8M | $4.5M | +$4.3M | +97.2% |
| Earnings before provision, single quarter | $4.3M | $4.5M | -$123K | -2.8% |
| Provision for credit losses, year to date | $885K | $615K | +$270K | +43.9% |
| Yield and cost | ||||
| Yield on loans and leases | 8.60% | 8.72% | -0.12 pts | See points |
| Yield on interest-bearing balances due from banks | 3.35% | 3.45% | -0.10 pts | See points |
| Total interest income to average assets | 7.94% | 8.02% | -0.07 pts | See points |
| Cost of interest-bearing transaction accounts | 0.16% | 0.17% | -0.00 pts | See points |
| Cost of savings and money market deposits | 2.59% | 2.54% | +0.05 pts | See points |
| Cost of time deposits | 3.71% | 3.79% | -0.08 pts | See points |
| Total interest expense to average assets | 2.05% | 2.09% | -0.04 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $488M | $340M | $388M | 2.29% | 8.16% | 6.06% |
| 2026-06-30 | $491M | $341M | $389M | 2.53% | 9.02% | 6.04% |
| 2026-03-31 | $490M | $342M | $380M | 2.51% | 9.01% | 6.04% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| AL | $325.3M | 0.23% | 60 | Continuing · +0.02 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.