Side-by-side · Q2 2026 data
Evolve Bank & Trust vs First Service Bank
Metric by metric
| Measure | Evolve Bank & Trust | First Service Bank |
|---|---|---|
| TellerScore | 50 | 59 (stronger) |
| Capital cushion | 79 (stronger) | 41 |
| Loan quality | 37 | 83 (stronger) |
| Earnings | 14 | 55 (stronger) |
| Funding & liquidity | 41 (stronger) | 39 |
| Problem-loan coverage | 80 | 89 (stronger) |
| Peer percentile | 7th | 19th |
| Total assets | $1.2B | $1.0B |
| Deposits / shares | $980.9M | $919.2M |
| Capital ratio | 12.88% (stronger) | 9.06% |
| Problem loans | 1.88% | 0.50% (stronger) |
| Net charge-offs | 0.19% | 0.00% (stronger) |
| Return on assets | -0.14% | 0.87% (stronger) |
| Loans ÷ deposits | 90.6% (stronger) | 95.4% |
| Uninsured deposits | 40.7% | 38.5% (stronger) |
| Offices | 5 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 11.0% |
First Service Bank has the higher TellerScore (59 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Evolve Bank & Trust leads on 2 and First Service Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.