D. L. Evans Bank
D. L. Evans Bank reported total assets of $3.7 bn at Q2 2026, up 4.2% on a year earlier, the 347th largest of 497 banks in our US coverage. D. L. Evans Bank uses the community bank leverage ratio framework, with a leverage ratio of 10.38%. D. L. Evans Bank held deposits of $3.2 bn. Source: FDIC Call Reports.
Key takeaways
- On efficiency ratio, D. L. Evans Bank climbed from 287th to 160th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- D. L. Evans Bank reports one of the lowest loan-to-deposit ratio readings among banks of $1 bn to $10 bn: 56.39% at , where the median of the 339 banks is 88.61% (FDIC Call Reports).
What sets D. L. Evans Bank apart
How large is D. L. Evans Bank?
The balance sheet of D. L. Evans Bank at : assets $3.7 bn, deposits $3.2 bn, net loans $1.8 bn (loans equal to 56.39% of deposits). Securities make up 35.8% of total assets at D. L. Evans Bank. Since , when D. L. Evans Bank held $1.2 bn, its assets grew 206.4%. In the year to , deposits at D. L. Evans Bank rose 7.1% while its total assets rose 4.2%. At , D. L. Evans Bank employed 448 full-time equivalent staff across 41 offices, about $8.3 mn of assets per employee and $77.2 mn of deposits per office.
How much funding at D. L. Evans Bank is uninsured?
At D. L. Evans Bank, uninsured deposits (above the FDIC limit) made up 30.15% of domestic deposits at (+0.83 pp on a year earlier); D. L. Evans Bank ranks 312th of 500 on this measure. In dollars, D. L. Evans Bank estimated $954.5 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $3.2 bn | +7.1% | 341st of 499 |
| Net loans and leases | $1.8 bn | +6.9% | 463rd of 500 |
| Loan-to-deposit ratio | 56.39% | -0.14 pp | 465th of 500 |
| Net interest margin | 3.39% | +0.26 pp | 321st of 500 |
| Return on assets (ROA) | 1.34% | +0.32 pp | 226th of 500 |
| Efficiency ratio | 51.48% | -7.92 pp | 160th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $57.1 mn | Narrowed by $22.0 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $55.4 mn | Narrowed by $10.5 mn | |
| Noncurrent loans to total loans | 0.26% | +0.04 pp | 88th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.00% | -0.01 pp | 73rd of 500 (1 = lowest) |
US rank of D. L. Evans Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
D. L. Evans Bank: assets, deposits and loans
- Total assets $3.7bn
- Deposits $3.2bn
- Net loans $1.8bn
Capital and securities
D. L. Evans Bank uses the community bank leverage ratio framework, so it reports no risk-based ratios; its leverage ratio was 10.38% in . Equity capital of D. L. Evans Bank at : $343.3 mn, or 9.3% of total assets.
On held-to-maturity securities, D. L. Evans Bank carried an unrealized loss of $57.1 mn at , equal to 16.6% of equity capital. The loss narrowed by $22.0 mn over the year. Its deepest point: $99.8 mn in . The available-for-sale portfolio of D. L. Evans Bank showed an unrealized loss of $55.4 mn at ; the loss narrowed by $10.5 mn over the year.
D. L. Evans Bank: capital ratios
- Total capital 17%
- CET1 15%
- Tier 1 leverage 10%
D. L. Evans Bank: unrealized securities gains and losses
- Available for sale -$55mn
- Held to maturity -$57mn
Profitability and loan quality
For the year to , D. L. Evans Bank earned a return on equity of 14.79%; return on assets: 1.34%. Net interest margin at D. L. Evans Bank: 3.39%, +0.26 pp in a year. D. L. Evans Bank net income: $24.7 mn, up 39.1% year on year. The efficiency ratio of D. L. Evans Bank was 51.48%: about 51 cents cost per revenue dollar, against 58 cents at the median peer.
At , noncurrent loans were 0.26% of total loans at D. L. Evans Bank; net charge-offs: 0.00% of average loans. Gross loans and leases at D. L. Evans Bank: $1.8 bn, up 7.0% in a year.
D. L. Evans Bank: profitability
- Return on equity 15%
- Net interest margin 3.4%
- Return on assets 1.3%
Peer group of D. L. Evans Bank
The peer group of D. L. Evans Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 2 share the charter type of D. L. Evans Bank (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Idaho. Against them, D. L. Evans Bank shows return on equity 14.79% against a peer median of 10.93% and uninsured deposit share 30.15% against a peer median of 34.21%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Bank of Utah | State nonmember bank | UT | $3.8 bn | 16.36% | 10.55% | 46.42% | |
| Bank of the Sierra | State nonmember bank | CA | $3.7 bn | not reported | 11.30% | 27.86% | |
| ENCORE BANK | State member bank | AR | $3.7 bn | 11.83% | 4.49% | 39.81% | |
| D. L. Evans Bank | State nonmember bank | ID | $3.7 bn | not reported | 14.79% | 30.15% | |
| Macatawa Bank | National bank | MI | $3.7 bn | 11.37% | 11.42% | 37.25% | |
| St. Charles Bank & Trust Company | National bank | IL | $3.7 bn | 11.07% | 14.34% | 31.17% | |
| Cornerstone Capital Bank, SSB | State-chartered stock savings bank | TX | $3.7 bn | not reported | 1.00% | 25.72% | |
. FDIC Call Reports.
Last eight quarters
Two years at D. L. Evans Bank, to : assets +13.3%, deposits +14.9%, equity +20.4%. Staff 431 to 448.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $3.3 bn | $3.4 bn | $3.4 bn | $3.6 bn | $3.5 bn | $3.7 bn | $3.7 bn | $3.7 bn |
| Total deposits | $2.8 bn | $2.9 bn | $2.9 bn | $3.0 bn | $3.0 bn | $3.1 bn | $3.1 bn | $3.2 bn |
| Bank equity capital | $285.3 mn | $273.6 mn | $288.6 mn | $302.4 mn | $316.6 mn | $327.2 mn | $332.2 mn | $343.3 mn |
| Return on equity (ROE) | 12.02% | 12.09% | 11.96% | 12.33% | 12.50% | 12.97% | 15.79% | 14.79% |
| Uninsured share of domestic deposits | 27.72% | 29.50% | 27.12% | 29.31% | 29.53% | 31.38% | 29.22% | 30.15% |
| Full-time equivalent employees | 431 | 436 | 447 | 451 | 451 | 451 | 449 | 448 |
| Number of offices | 41 | 41 | 41 | 41 | 41 | 41 | 41 | 41 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by D. L. Evans Bank appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of D. L. Evans Bank?
D. L. Evans Bank reported $3.7 bn at in its Call Report. That makes D. L. Evans Bank the 347th largest of 497 banks in our US coverage.
Is D. L. Evans Bank the same as its holding company?
No. This page covers D. L. Evans Bank, FDIC certificate 11666; D L EVANS BCORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is D. L. Evans Bank profitable?
D. L. Evans Bank reported net income of $24.7 mn for the year to ; annualized return on equity: 14.79%. So yes: D. L. Evans Bank made a profit over these months.
When is data for D. L. Evans Bank next updated?
Figures from D. L. Evans Bank for are due after .
Where can I check the figures for D. L. Evans Bank?
In the FDIC BankFind Suite record for certificate 11666, and in the Call Reports of D. L. Evans Bank (RSSD ID 543262) at the FFIEC Central Data Repository.