# EVABANK
EVA, AL · FDIC certificate 26799 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $490.6M | |
| Deposits | $340.6M | |
| Loans and leases | $397.6M | |
| Total equity | $138.6M | |
| Loans / deposits | 114.08% (p98 of band) | 82.04% |
| Liquid assets / assets | 18.30% (p26 of band) | |
| Uninsured deposits / deposits | 14.25% (p11 of band) | 25.97% |
| Brokered deposits | 2.32% | |
| Wholesale funding | 3.34% (p49 of band) | |
| FHLB advances / assets | 1.02% | |
| Tier 1 leverage | 27.85% (p99 of band) | 10.81% |
| Unrealized securities loss / equity | 3.90% (p100 of band) | -8.10% |
| AOCI / equity | 0.01% (p81 of band) | |
| ROA (annualized) | 2.53% (p95 of band) | 1.28% |
| Net interest margin | 6.04% (p99 of band) | 3.91% |
| Efficiency ratio | 39.44% (p5 of band) | |
| Noncurrent loans | 1.61% (p84 of band) | 0.43% |
| Net charge-offs (annualized) | 0.32% (p94 of band) | |
| Reserve coverage of noncurrent | 142.83% | |
| Real estate % of loans | 96% | |
| Construction % of loans | 53.57% (p59 of band) | |
| Auto loans | $552,000 (0.14% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 4.7% | |
| Employees | 69 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | brokered >10%, wholesale funding >15%, leverage <7%, reserve under noncurrent |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 3 |  | reserve under noncurrent |
| 2011-12 | 4 | reserve under noncurrent |  |
| 2012-03 | 5 | charge-offs p90, deposits shrinking, uninsured deposits leaving | wholesale funding >15%, leverage <7% |
| 2012-06 | 2 |  | brokered >10%, charge-offs p90, uninsured deposits leaving |
| 2012-09 | 4 | assets shrinking, uninsured deposits leaving |  |
| 2012-12 | 3 |  | assets shrinking |
| 2013-03 | 2 |  | uninsured deposits leaving |
| 2013-06 | 3 | assets shrinking |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 2 | charge-offs p90 | deposits shrinking, assets shrinking |
| 2014-06 | 2 |  |  |
| 2014-09 | 1 |  | charge-offs p90 |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | deposits shrinking |  |
| 2015-06 | 2 | charge-offs p90 | deposits shrinking |
| 2015-09 | 1 |  | reserve under noncurrent |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 2 | loans exceed deposits |  |
| 2016-09 | 3 | brokered >10%, wholesale funding >15% | loans exceed deposits |
| 2016-12 | 5 | noncurrent p90, reserve under noncurrent |  |
| 2017-03 | 3 |  | noncurrent p90, reserve under noncurrent |
| 2017-06 | 2 |  | wholesale funding >15% |
| 2017-09 | 3 | noncurrent p90, reserve under noncurrent | brokered >10% |
| 2017-12 | 4 | loans exceed deposits |  |
| 2018-03 | 5 | deposits shrinking |  |
| 2018-06 | 4 |  | deposits shrinking |
| 2018-09 | 5 | deposits shrinking |  |
| 2018-12 | 5 |  |  |
| 2019-03 | 5 |  |  |
| 2019-06 | 6 | uninsured deposits leaving |  |
| 2019-09 | 4 |  | deposits shrinking, uninsured deposits leaving |
| 2019-12 | 4 |  |  |
| 2020-03 | 3 |  | charge-offs p90 |
| 2020-06 | 4 | capital falling |  |
| 2020-09 | 4 | charge-offs p90 | loans exceed deposits |
| 2020-12 | 3 |  | capital falling |
| 2021-03 | 3 | loans exceed deposits | charge-offs p90 |
| 2021-06 | 4 | charge-offs p90 |  |
| 2021-09 | 4 |  |  |
| 2021-12 | 2 |  | reserve under noncurrent, loans exceed deposits |
| 2022-03 | 3 | reserve under noncurrent |  |
| 2022-06 | 3 | loans exceed deposits | reserve under noncurrent |
| 2022-09 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving | charge-offs p90 |
| 2022-12 | 5 |  |  |
| 2023-03 | 5 | charge-offs p90 | assets shrinking |
| 2023-06 | 5 |  |  |
| 2023-09 | 4 |  | deposits shrinking |
| 2023-12 | 3 |  | uninsured deposits leaving |
| 2024-03 | 1 |  | noncurrent p90, charge-offs p90 |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | capital falling |  |
| 2025-03 | 4 | noncurrent p90, charge-offs p90 |  |
| 2025-06 | 5 | reserve under noncurrent |  |
| 2025-09 | 1 |  | capital falling, noncurrent p90, charge-offs p90, reserve under noncurrent |
| 2025-12 | 2 | noncurrent p90 |  |
| 2026-03 | 3 | capital falling, charge-offs p90 | noncurrent p90 |
| 2026-06 | 2 |  | capital falling |

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

- 2018-09-01 [Community Banks – Alabama’s Top Performing Community Banks - Business Alabama Magazine](https://news.google.com/rss/articles/CBMid0FVX3lxTE5oeGFjWFFaNldzejJERVlMNzk4dFE4LUc0YVJqVmc5YW1jVnJKZldETFlLUktNcGZybkFUOUlXV3F4dUlCT2FkZldHa1dQaUZ5UXFPeXZ3aGQ0Z2swbFp2QlJyMFJkMEJBUndOLTdJaXQwRXA2bXBz?oc=5) · Business Alabama Magazine
- 2010-07-14 [EvaBank sells more shares to satisfy U.S. regulators - AL.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxONDExb3dkZzdkbWUyY19pdENLZGVBUDA5UzRMR284QzNwOEt0YzVDclhfcFVwNlMzbzRvNkxmZXRzUi1vTlhyQlo1aDNuQkJYMnZBajNYM0pWOFNReFc1RGJMLURlZ1NzdFZZNDVZaGVHVXRCSmcxaWFtVmIwRWFZYg?oc=5) · AL.com
- 2019-01-17 [EvaBank increases lending presence in Bham - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxQWXh0aEtxZG5sXzNmZy1FQ3hodVJ0b3oxNnl1LXpRN3ZiU3VMYl8tRVJwajQxb1hTVFlEdUhYWjJxX2ZJLXlBZjM0S0RhLVNBUXo1OVRkRnlpUTRMT2lHcFNwWDBIV3ZKbnFCSjBaU09LY0VQTU51ZGF2ZTBNMkloUE5LZ1VaQ3ZtOUVUWVdWYlVHb0xhaF96R1VLcFBSbXY0dW1yRg?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26799 (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/47.json (key "26799", 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