🏦Bank Scorer

EVABANK

EVA, AL · Supervised by FDIC

Est. 1986FDIC #26,799RSSD: FDIC-26799
Satisfactory Same

Current rating · Exam: January 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.51%

Institution Profile

FDIC BankFind

Address

4113 Eva Rd, EVA, AL

County

Morgan County

Established

October 13, 1986

Total Assets

$490M(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

January 1, 2023

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jan 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$490M

Total Deposits

$342M

Net Loans

$380M

Net Income

$3M

ROA

2.51%

ROE

9.01%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

Mortgage Denial Rate25.00%Peer avg: 7.63%▼ Below avg

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

Branch Footprint

FDIC SOD 2025

Total Branches

7

Branch Deposits

$325M

1-Year Change

0

5-year net change: -1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202445248.89%25.00%
202349944.69%28.06%
202251549.13%21.55%
202165048.31%22.92%
202086345.65%28.97%
201986742.1%35.52%
20181,14739.15%36.27%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

10 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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