# D L EVANS BANK
BURLEY, ID · FDIC certificate 11666 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $3.70B | |
| Deposits | $3.17B | |
| Loans and leases | $1.81B | |
| Total equity | $343.3M | |
| Loans / deposits | 56.39% (p6 of band) | 87.10% |
| Liquid assets / assets | 46.81% (p94 of band) | |
| Uninsured deposits / deposits | 30.15% (p48 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.40% (p43 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.38% (p47 of band) | 10.50% |
| Unrealized securities loss / equity | -32.78% (p8 of band) | -7.75% |
| AOCI / equity | -1.48% (p9 of band) | |
| ROA (annualized) | 1.34% (p59 of band) | 1.26% |
| Net interest margin | 3.39% (p31 of band) | 3.70% |
| Efficiency ratio | 51.48% (p27 of band) | |
| Noncurrent loans | 0.26% (p29 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p25 of band) | |
| Reserve coverage of noncurrent | 533.16% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 61.13% (p63 of band) | |
| Auto loans | $14.3M (0.79% of loans; DQ 1.27%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 7.1% | |
| Employees | 448 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | capital falling |  |
| 2022-03 | 1 | securities losses >30% of equity | capital falling |
| 2022-06 | 2 | AOCI drag >20% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | capital falling |  |
| 2025-03 | 1 |  | capital falling |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | capital falling |  |
| 2025-12 | 1 |  | capital falling |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-02 [D.L. Evans Bank announces appointment at Idaho Falls branch - Post Register](https://news.google.com/rss/articles/CBMi5gFBVV95cUxPQkJXejhpQWZvdDhiNWg5TWZJZ0c5cFpvcVVmbUxYVlF2VkJVazRDLXJHczBvQ05KWnNrR2RmQjFlcGFtOG90R1dob1pXVmJfQTZyUTJsbVRKVXdwaEhKZ1JzQUFnZUpXdlZyNDMtbkdUVW9VbE9YOUdZM3NyT0tJZWRJbkVFcWY0cnNHYWM1azNveURWbFktNFljZ3E5YllpSTZSVWFGekU1bHczZEFOcTA2MlNIRHVaM293VU15Mk1pS1NXS3poOXJWNHU1cGNTQzVrY2M0TzNpX0xkVWp1Y1ZmNWpRZw?oc=5) · Post Register
- 2026-05-17 [Dennis Dickson Obituary (1950 - 2026) - Burley, ID - Magic Valley Times-News - Legacy obituary](https://news.google.com/rss/articles/CBMikwFBVV95cUxNY255VEQ5YW1CVDl2bmtoejVmUFV0MEE5eXVudGlSb0RYNjdRZ0M3ci1WaXZwZXNLWG9NM2tub1AzdTVhMzRLbWZuOUdqRml0dVJJV3Z2VmR3dXdmUU5rNUNVRWxLZGtGT2sxZzlKeTRpUEl4emJuUjlFc1ZJckxRS2NTbFU5ZEJsbW0zOGNaYWJ2Nm8?oc=5) · Legacy obituary
- 2023-05-15 [D.L. Evans Bank promotes Amy Durfee to VP Branch Manager in Rupert, Idaho - Idaho Business Review](https://news.google.com/rss/articles/CBMitgFBVV95cUxQSlFDbm50aVdZTEVveEtrMHhNOXh3WUFlbjFSM2pPUTN1dTQ0d1FEVVFTT2FtMF9vOVdOSUtJY25oVmRDanBTWjRNenhsNThYejlPUUMxVFBRTnVKUnJObndueWVoMHUxRHBFRDVlVUE0b0FHU04yVjhLZlVOZFhzVUsxRG5fQ2JzWXpQcWMwUUpUcHY3aTZUTk8weEtlNjRKMElEY2lYNGRNZjJhNEpGVXlla2c5QQ?oc=5) · Idaho Business Review
- 2024-05-28 [D.L. Evans Bank expands presence in Ketchum through acquisition from First Interstate Bank - Idaho State Journal](https://news.google.com/rss/articles/CBMikAJBVV95cUxQZzdMQ3Y4MVVQUmFDYmVJMWh5NE5hSmE2aFE2dDd6akxJRlFSRVFUM3psZEUtQzJkWUVDcE9PYVlhajI4Z2RQV3J1OExOdDNsUUtFMm81bjJrRThNNElMLUlUd2J4aFlyOS1FZ2djRTNfblBYdVdMMERTcFEtX2hxNEZHbWpKTW5mNlZPUnVGVXFFWHhkWE5yaDd1Vnp3SHFjN050bTMySU5xOGM5V1U1d0QzRUZoYnJlQ1dNVEZrZi1BbF9jZF9SUWNrbWtvbkNmUHdGRjZid2hwYmhUSUdaeDVKMW02SmVFVS1BczFJYkVYeW5tSUNjd3JPQ3RtMk53V3BoX0xjMW5sWUI3OV9uUQ?oc=5) · Idaho State Journal
- 2021-02-22 [D. L. Evans Bank (ID) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMigAFBVV95cUxOdElUTE1abGR3Nm1pOWZRNk9TZ3hxRGgxN2REZExkcTRCZWtFc1pIUnkxWll4REYyeW5kQy05NmRUSlJTb0hvZ01ZM1Zrem02dWYxSmlxU1RZbmR2T3Y1OWR2NXVlUFlaTGhHRGQ3bzNDQzVZQ2hEWXlWWFNIcVV4dA?oc=5) · SmartAsset
- 2023-06-08 [D.L. Evans Bank Funds Domestic Violence Services - Eye On Sun Valley](https://news.google.com/rss/articles/CBMirgFBVV95cUxQLUNyOVFXM2p0dzdqTlJuMndMdWd0QThVVllMaVRFNm1HR3hGcDlXRGp0a2dKZEQwV1dGN3hRaHAwbWVBbTZ0MG1uR0E3MnZtQkVuUDhfSldZSlJBaGtCMFN4YVk4dzE0VjIyTGlhYUptLUVkRWhFWDBuTWtuXzBEcnZtQTlaby1pRE9KbDhYcmZvaFJiYlA5VzhyOVMwMTZpbGtPY0YtLV8xZGloRGc?oc=5) · Eye On Sun Valley
- 2021-07-30 [Kelly Human returns to D.L. Evans Bank - Idaho Business Review](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPNTdqUDlVSGEwX2JfOWJNOVJDWktrVW41WkFZZC02X0dkWTdVVjQ5UkFaMENJQmh2Q1pQUEtsOVY1WHEyVzBKZmU0RVpfQ1RDaFFVcGtVQmh4bWRMMzNFb0hhMi1kcXY3b1RhUWtFYW5XRmFIRGdkMF9kdkJNREhvUXhhbW56MzFk?oc=5) · Idaho Business Review
- 2021-02-17 [Grant Roper appointed as D.L. Evans Bank vice president commercial loan officer - Idaho State Journal](https://news.google.com/rss/articles/CBMiggJBVV95cUxPOUo3MmgxdkMyOEVwZFpUV2JTSWd1Q1FzMXB4M2x4RUdnU3NTWXNtbklENF8zS1V0eEtKaHpPb3RWYzNpRm9vQUYyYVBLc3NsUk4xdl92dVQ0NzNBZGhfb0NyYVg3YlJYM1dRaTJSTUhITGhFYTJpTmRhZGRBYTdIdzhDc0RIdFp0VDJKZTMxanA5dU1tdFdHTjJ0VGN4aUVCWlZvZDN1V3FzcEZqcS1MYW9SUWptR0gzNzgxOVNkTnMwWU9iNEN3MHBBVFVNQjVyaXBnUkJRLTAyZXdfMUJ1QVNJRVgtcXVMVjE2UjBuQzYxa3pIU0N6cUloc1JpMmVoc3c?oc=5) · Idaho State Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11666 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/18.json (key "11666", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide