Evolve Bank & Trust (FDIC certificate #1299) is based in West Memphis, Arkansas. Its Q2 2026 call report shows $1.2B in total assets and $980.9M in deposits and 10 offices across 2 states.
Evolve Bank & Trust has a TellerScore of 50 out of 100 (below average) based on Q2 2026 data — higher than only 7% of its 897 banks with $1 billion – $10 billion. Among 78 banks headquartered in Arkansas, it ranks 71st. Problem-loan coverage contributes the most (80/100, 10.1%); earnings contributes the least (14/100, -0.14%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 3 points (53 → 50), mostly because the loan quality component weakened by 41 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 67 |
| Q3 2024 | 63 |
| Q4 2024 | 61 |
| Q1 2025 | 53 |
| Q2 2025 | 53 |
| Q3 2025 | 54 |
| Q4 2025 | 58 |
| Q1 2026 | 58 |
| Q2 2026 | 50 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.39% |
| Q3 2024 | 9.80% |
| Q4 2024 | 10.04% |
| Q1 2025 | 10.25% |
| Q2 2025 | 10.39% |
| Q3 2025 | 10.08% |
| Q4 2025 | 11.91% |
| Q1 2026 | 12.70% |
| Q2 2026 | 12.88% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.46% |
| Q3 2024 | 0.66% |
| Q4 2024 | 0.90% |
| Q1 2025 | 0.71% |
| Q2 2025 | 0.67% |
| Q3 2025 | 0.44% |
| Q4 2025 | 0.84% |
| Q1 2026 | 0.96% |
| Q2 2026 | 1.88% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.90% |
| Q3 2024 | 0.75% |
| Q4 2024 | 0.63% |
| Q1 2025 | -1.01% |
| Q2 2025 | -1.08% |
| Q3 2025 | -1.21% |
| Q4 2025 | -0.20% |
| Q1 2026 | -0.14% |
| Q2 2026 | -0.14% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 50 | $1.2B | 12.88% | 1.88% | -0.14% | 90.6% |
| Q1 2026 | 58 | $1.2B | 12.70% | 0.96% | -0.14% | 88.7% |
| Q4 2025 | 58 | $1.3B | 11.91% | 0.84% | -0.20% | 81.6% |
| Q3 2025 | 54 | $1.4B | 10.08% | 0.44% | -1.21% | 86.7% |
| Q2 2025 | 53 | $1.5B | 10.39% | 0.67% | -1.08% | 82.0% |
| Q1 2025 | 53 | $1.6B | 10.25% | 0.71% | -1.01% | 80.5% |
| Q4 2024 | 61 | $1.8B | 10.04% | 0.90% | 0.63% | 76.9% |
| Q3 2024 | 63 | $1.7B | 9.80% | 0.66% | 0.75% | 87.9% |
| Q2 2024 | 67 | $1.7B | 10.39% | 0.46% | 0.90% | 88.5% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Arkansas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Anstaff BankBank Green Forest, AR | 79 out of 100, Strong | $1.2B | 10.2% | 0.14% | vs |
| First Arkansas Bank and TrustBank Jacksonville, AR | 63 out of 100, Moderate | $1.1B | 10.7% | 1.63% | vs |
| Legacy BankBank Springdale, AR | 65 out of 100, Moderate | $1.3B | 8.8% | 0.10% | vs |
| Generations BankBank Rogers, AR | 63 out of 100, Moderate | $1.1B | 11.5% | 1.51% | vs |
| First Service BankBank Greenbrier, AR | 59 out of 100, Moderate | $1.0B | 9.1% | 0.50% | vs |
| Fm Bank And TrustBank Blytheville, AR | 69 out of 100, Moderate | $1.4B | 8.6% | 0.52% | vs |
Deposit insurance
Is my money safe at Evolve Bank & Trust?
Yes. Evolve Bank & Trust is an FDIC-insured institution (FDIC certificate #1299). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 40.7% of deposits ($399.5M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.88%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.97% (benchmark: 10%).
10 locations
Branches
Evolve Bank & Trust lists 5 offices in 5 cities across 2 states. Most locations:
- Jonesboro, AR (1)
- Memphis, TN (1)
- Parkin, AR (1)
- West Memphis, AR (1)
- Wynne, AR (1)
CFPB TCCP survey · December 31, 2025
Credit card terms
| Card | Purchase APR | Annual fee | Late fee | Foreign fee |
|---|---|---|---|---|
| Mastercard Consumer Credit Card | 29.49% | $99 | $40 | 1.0% |
Identity & history
Profile
- Legal name
- Evolve Bank & Trust
- Former names
- First State Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 1299
- RSSD ID
- 592448
- Primary regulator
- FED
- Holding company
- Evolve Bcorp Inc
- Established
- June 5, 1925
- Headquarters
- 301 Shoppingway Blvd, West Memphis, AR 72301
- Website
- www.getevolved.com
- Employees
- 359
Quick answers
Evolve Bank & Trust: common questions
Is Evolve Bank & Trust FDIC insured?
Yes. Evolve Bank & Trust is an FDIC-insured institution (FDIC certificate #1299). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Evolve Bank & Trust's TellerScore?
50 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Evolve Bank & Trust ever failed?
There is no failure record for FDIC certificate #1299 in the FDIC failed bank list.
How many branches does Evolve Bank & Trust have?
10 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near West Memphis
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Asbestos Workers Local 14 Federal Credit UnionCredit union Philadelphia, PA | 100 out of 100, Very strong | $4.1M | 15.4% | 0.00% | vs |
| Rio Grande Federal Credit UnionCredit union Grand Junction, CO | 97 out of 100, Very strong | $80.8M | 22.0% | 0.03% | vs |
| FSNB, National AssociationBank Lawton, OK | 96 out of 100, Very strong | $478.3M | 17.5% | 0.36% | vs |
| First South Financial Federal Credit UnionCredit union Bartlett, TN | 95 out of 100, Very strong | $844.8M | 30.2% | 0.22% | vs |
| L G & W Federal Credit UnionCredit union Memphis, TN | 92 out of 100, Very strong | $115.1M | 21.7% | 0.32% | vs |
| Light Commerce Credit UnionCredit union Houston, TX | 92 out of 100, Very strong | $5.0M | 26.8% | 0.93% | vs |