Evabank (FDIC #26799): Bank Stress & Real-Estate Credit Exposure

Evabank (FDIC Cert #26799): bank stress 1/100, contained, STABLE over 7 days.

Evabank (#26799) lends in 5 counties across 1 state; Evabank (#26799) reaches 128 ZIP codes: Alabama 5 counties, 128 ZIPs.

Evabank (#26799) largest markets: Jefferson County, AL (64 branches, 64 ZIPs) (#26799), Madison County, AL (25 branches, 25 ZIPs) (#26799), Cullman County, AL (38 branches, 19 ZIPs) (#26799), Marshall County, AL (18 branches, 18 ZIPs) (#26799), Morgan County, AL (32 branches, 16 ZIPs) (#26799).

Evabank (#26799) reports $490.6 million in total assets; Evabank (#26799) equity $138.6 million (28.3% of Evabank (#26799) assets); Evabank (#26799) domestic deposits $340.6 million; Evabank (#26799) net income $6.1 million; Evabank (#26799) return on assets 2.53%; Evabank (#26799) return on equity 9.02%; Evabank (#26799) net interest income $14.2 million; Evabank (#26799) call report June 30, 2026.

Evabank (#26799) noncurrent real-estate loans 0.40% of its book; Evabank (#26799) multifamily 0.18%; Evabank (#26799) residential 0.74%; Evabank (#26799) net charge-offs on real estate 1.66%; Evabank (#26799) residential charge-offs 0.61%.

Evabank (#26799) net interest margin 6.04% against an eight-quarter Evabank (#26799) average of 5.85% (Evabank (#26799) compression -0.18 points); Evabank (#26799) real-estate loans 39.9% of equity; Evabank (#26799) non-residential real estate 60.6% of equity; Evabank (#26799) rate-exposure score 40/100, Evabank (#26799) fixed-rate trap 40/100; Evabank (#26799) risk type rate trapped; Evabank (#26799) rate regime rates elevated, Evabank (#26799) snapshot October 19, 2026.

Evabank (#26799) stress score moved from 0.7 on June 22, 2026 to 0.8 on October 19, 2026; Evabank (#26799) ranged 0.7 to 0.8 over 116 snapshots.

Evabank (#26799) alerts: 5 counties; top Evabank (#26799) alert scores: Madison County, AL 26 (low); Cullman County, AL 22 (low); Arab County, AL 9 (low); Birmingham County, AL 9 (low); Eva County, AL 9 (low).