Evolve Bank&Trust (FDIC #1299): Bank Stress & Real-Estate Credit Exposure
Evolve Bank&Trust (FDIC Cert #1299): bank stress 77/100, severe, STABLE over 7 days; parent EVOLVE BCORP INC.
Evolve Bank&Trust (#1299) lends in 4 counties across 2 states; Evolve Bank&Trust (#1299) reaches 77 ZIP codes: Arkansas 3 counties, 36 ZIPs; Tennessee 1 county, 41 ZIPs.
Evolve Bank&Trust (#1299) largest markets: Shelby County, TN (41 branches, 41 ZIPs) (#1299), Craighead County, AR (17 branches, 17 ZIPs) (#1299), Crittenden County, AR (12 branches, 12 ZIPs) (#1299), Cross County, AR (18 branches, 9 ZIPs) (#1299).
Evolve Bank&Trust (#1299) reports $1.19 billion in total assets; Evolve Bank&Trust (#1299) equity $161.4 million (13.6% of Evolve Bank&Trust (#1299) assets); Evolve Bank&Trust (#1299) domestic deposits $980.9 million; Evolve Bank&Trust (#1299) net income minus $865,000; Evolve Bank&Trust (#1299) return on assets -0.14%; Evolve Bank&Trust (#1299) return on equity -1.07%; Evolve Bank&Trust (#1299) net interest income $22.1 million; Evolve Bank&Trust (#1299) call report June 30, 2026.
Evolve Bank&Trust (#1299) noncurrent real-estate loans 0.01% of its book; Evolve Bank&Trust (#1299) net charge-offs on real estate 0.92%; Evolve Bank&Trust (#1299) residential charge-offs 2.37%.
Evolve Bank&Trust (#1299) net interest margin 3.90% against an eight-quarter Evolve Bank&Trust (#1299) average of 2.82% (Evolve Bank&Trust (#1299) compression -1.08 points); Evolve Bank&Trust (#1299) real-estate loans 0.6% of equity; Evolve Bank&Trust (#1299) non-residential real estate 236.8% of equity; Evolve Bank&Trust (#1299) rate-exposure score 40/100, Evolve Bank&Trust (#1299) fixed-rate trap 40/100; Evolve Bank&Trust (#1299) risk type credit driven; Evolve Bank&Trust (#1299) rate regime rates elevated, Evolve Bank&Trust (#1299) snapshot October 19, 2026.
Evolve Bank&Trust (#1299) stress score moved from 76.5 on June 22, 2026 to 76.7 on October 19, 2026; Evolve Bank&Trust (#1299) ranged 76.5 to 76.7 over 116 snapshots.
Evolve Bank&Trust (#1299) alerts: 4 counties; top Evolve Bank&Trust (#1299) alert scores: Jonesboro County, AR 24 (low); Memphis County, AR 24 (low); West Memphis County, AR 24 (low); Wynne County, AR 24 (low).