Call reports 2025
EVOLVE BANK & TRUST — 2025
What EVOLVE BANK & TRUST reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,597,716,000 | 1,459,376,000 | 1,355,975,000 | 1,286,556,000 |
| Total loans | 979,982,000 | 950,661,000 | 942,136,000 | 888,691,000 |
| Allowance for loan losses | 15,466,000 | 15,358,000 | 14,740,000 | 13,852,000 |
| Securities available for sale | 112,254,000 | 132,332,000 | 141,058,000 | 127,372,000 |
| Securities held to maturity | 47,322,000 | 27,455,000 | 8,192,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,198,486,000 | 1,140,815,000 | 1,069,348,000 | 1,072,077,000 |
| Interest-bearing deposits | 905,468,000 | 840,582,000 | 751,153,000 | 673,446,000 |
| Noninterest-bearing deposits | 293,018,000 | 300,233,000 | 318,195,000 | 398,631,000 |
| Equity capital | 160,646,000 | 156,241,000 | 151,202,000 | 162,355,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 19,836,000 | 39,226,000 | 58,546,000 | 76,410,000 |
| Interest expense | 11,266,000 | 21,226,000 | 30,844,000 | 38,263,000 |
| Net interest income | 8,570,000 | 18,000,000 | 27,702,000 | 38,147,000 |
| Noninterest income | 22,063,000 | 39,503,000 | 56,452,000 | 72,331,000 |
| Noninterest expense | 35,885,000 | 68,919,000 | 103,173,000 | 115,327,000 |
| Provision for loan losses | 566,000 | 354,000 | -28,000 | -693,000 |
| Pretax income | -5,807,000 | -11,816,000 | -18,955,000 | -4,095,000 |
| Income tax | -1,483,000 | -3,060,000 | -4,863,000 | -1,075,000 |
| Net income | -4,324,000 | -8,756,000 | -14,092,000 | -3,020,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 158,353,000 | 151,329,000 | 144,631,000 | 158,346,000 |
| Total capital | 171,813,000 | 164,490,000 | 156,810,000 | 169,541,000 |
| Risk-weighted assets | 1,074,764,000 | 1,050,638,000 | 971,778,000 | 892,916,000 |