🏦Bank Scorer

EVOLVE BANK & TRUST

WEST MEMPHIS, AR · Supervised by FDIC

Est. 1925FDIC #1,299RSSD: FDIC-1299
Part ofEVOLVE BCORP INC→ View all charters
Satisfactory Up

Current rating · Exam: April 2010

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -0.14%

Institution Profile

FDIC BankFind

Address

301 Shoppingway Blvd, WEST MEMPHIS, AR

County

Crittenden County

Established

June 5, 1925

Total Assets

$1.2B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

April 1, 2010

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 16 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.2B

Total Deposits

$997M

Net Loans

$885M

Net Income

$-431K

ROA

-0.14%

ROE

-1.06%

Risk-Based Capital

19.14%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate4.32%Peer avg: 9.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

5

Branch Deposits

$1.1B

1-Year Change

0

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20241,89775.22%4.32%
20232,60474.81%5.65%
20223,88675.76%5.51%
20216,79181.42%4.92%
20206,43975.46%8.54%
20193,36169.32%12.88%
20184,11171.95%9.80%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

6 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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