Evolve Bank&Trust: Bank Stress & Real-Estate Credit Exposure

Evolve Bank&Trust (FDIC Cert #1299) carries a DLRadar bank-stress score of 77/100, a severe reading of the credit and balance-sheet pressure weighing on the institution. DLRadar builds the reading from the institution's federal call-report filings (capital, credit quality, earnings, real-estate exposure) and weights it by the markets it finances.

Evolve Bank&Trust is held under Evolve Bcorp Inc, so its disclosures are public and its stress trajectory is externally verifiable. The combination of a severe reading and a compact footprint is what makes Evolve Bank&Trust worth watching as a supply signal. Its lending reaches counties such as Shelby County, TN, Craighead County, AR, Crittenden County, AR, Cross County, AR, each tied back to DLRadar's distress signals. Seven-day momentum reads stable. Momentum matters as much as the level — a rising score means the lenders behind a market are tightening, and financing tends to seize up before distress reaches listings. Because Evolve Bank&Trust is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 77/100 reading stays current and directly comparable — a like-for-like number across 2 states and against any other institution. Evolve Bank&Trust runs a compact, regionally concentrated real-estate lending footprint — 4 U.S. counties across 2 states, spanning 77 ZIP codes. Its heaviest exposure sits in Arkansas (3 counties), Tennessee (1 county). DLRadar does not model Evolve Bank&Trust in isolation: the 77-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 4 counties, so a shift in the bank's severe posture can be read directly against on-the-ground distress. The DLRadar bank-stress score is a composite, not a single ratio: it weighs Evolve Bank&Trust's capital adequacy, asset quality, earnings and — most heavily — its real-estate loan concentration, then scales the result by where the bank actually lends, so two banks with identical headline financials can score differently based on the markets they finance.

For buyers, lender stress is an early map of supply: when Evolve Bank&Trust pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. It is an early-warning read, flagging distress before it reaches the MLS.

Across the country DLRadar applies the identical model to every FDIC bank, then ties each institution to parcel-level foreclosure, lien and ownership data where it lends. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.