Evolve Bank & Trust Mortgage Rates, Fees & Info
West Memphis, ARLEI: 549300IRXW9RSZM2B951
Tax ID: 71-0057070
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Bank Data
Review & Overview
Evolve Bank & Trust is a small bank specializing in Home Purchase and Refi loans. Evolve Bank & Trust has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: New York, Memphis, Boston, Philadelphia, and Los Angeles among others. We have data for 273 markets. (Some data included below & more in-depth data is available with an active subscription.)Evolve Bank & Trust has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Evolve Bank & Trust is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.43% | 4/18/24 |
| 30 Year Conventional Refi | 6.47% | 4/18/24 |
| 30 Year Cash-out Refi | 6.64% | 4/18/24 |
| 30 Year FHA Purchase | 7.47% | 4/18/24 |
| 30 Year FHA Refi | 7.41% | 4/18/24 |
| 30 Year VA Purchase | 6.34% | 4/18/24 |
| 30 Year VA Refi | 6.46% | 4/18/24 |
| 30 Year USDA Purchase | 6.83% | 4/18/24 |
| 15 Year Conventional Purchase | 5.40% | 4/18/24 |
| 15 Year Conventional Refi | 6.07% | 4/18/24 |
| 15 Year Cash-out Refi | 6.07% | 4/18/24 |
| 15 Year FHA Purchase | 6.09% | 4/18/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Evolve Bank & Trust Mortgage Calculator
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This is not an official calculator from Evolve Bank & Trust. It uses our SimulatedRate™
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
4,859Origination Dollar Volume (All Markets)
$1,410,815,000Employee count
408Awards
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Evolve Bank & Trust - 2020
Evolve Bank & Trust is a 2020 , due to their low .
For 2020, less than of lenders were eligible for this award.
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 346 | $137,470,000 | $397,312 | $5,143 | 3.16% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 502 | $122,380,000 | $243,785 | $4,031 | 3.21% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 275 | $96,595,000 | $351,255 | $4,265 | 3.17% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 301 | $74,885,000 | $248,787 | $5,881 | 3.28% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 150 | $68,220,000 | $454,800 | $3,855 | 2.98% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 232 | $58,310,000 | $251,336 | $3,610 | 2.91% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 212 | $54,100,000 | $255,189 | $4,373 | 3.18% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 211 | $52,965,000 | $251,019 | $5,301 | 3.37% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 94 | $49,400,000 | $525,532 | $3,664 | 3.28% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 135 | $46,145,000 | $341,815 | $8,770 | 3.47% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 126 | $42,230,000 | $335,159 | $5,191 | 2.97% |
| COLUMBUS, OH (FHA|USDA|VA) | 183 | $41,045,000 | $224,290 | $4,108 | 3.33% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 132 | $34,280,000 | $259,697 | $2,988 | 3.25% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 111 | $27,575,000 | $248,423 | $5,008 | 3.15% |
| Torrington, CT (FHA|USDA|VA) | 84 | $25,860,000 | $307,857 | $3,894 | 2.95% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 42 | $24,280,000 | $578,095 | $3,871 | 2.92% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 90 | $22,410,000 | $249,000 | $3,347 | 2.88% |
| JONESBORO, AR (FHA|USDA|VA) | 93 | $20,455,000 | $219,946 | $3,271 | 3.56% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 74 | $19,970,000 | $269,865 | $3,406 | 2.93% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 61 | $15,895,000 | $260,574 | $5,686 | 3.36% |
| BEND, OR (FHA|USDA|VA) | 40 | $15,040,000 | $376,000 | $5,869 | 2.79% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 49 | $13,575,000 | $277,041 | $5,678 | 3.27% |
| Outside of Metro Areas | 69 | $13,065,000 | $189,348 | $3,543 | 3.34% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 43 | $12,115,000 | $281,744 | $4,681 | 3.17% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 41 | $10,965,000 | $267,439 | $7,220 | 3.44% |
| DOVER, DE (FHA|USDA|VA) | 43 | $10,885,000 | $253,140 | $7,263 | 3.40% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 26 | $9,510,000 | $365,769 | $4,778 | 2.97% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 40 | $9,260,000 | $231,500 | $5,547 | 3.42% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 39 | $8,755,000 | $224,487 | $4,362 | 3.20% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 17 | $8,625,000 | $507,353 | $3,160 | 2.81% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 38 | $8,450,000 | $222,368 | $6,282 | 3.57% |
| PROVO-OREM, UT (FHA|USDA|VA) | 24 | $7,470,000 | $311,250 | $4,066 | 3.22% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 27 | $7,415,000 | $274,630 | $3,706 | 2.97% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 24 | $6,700,000 | $279,167 | $3,610 | 3.07% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 16 | $6,460,000 | $403,750 | $3,297 | 3.45% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 16 | $6,280,000 | $392,500 | $2,710 | 3.08% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 24 | $6,110,000 | $254,583 | $5,260 | 3.14% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 19 | $6,045,000 | $318,158 | $3,707 | 3.09% |
| MIDLAND, TX (FHA|USDA|VA) | 14 | $4,930,000 | $352,143 | $5,968 | 3.16% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 22 | $4,630,000 | $210,455 | $4,275 | 3.23% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 14 | $4,560,000 | $325,714 | $3,535 | 3.10% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 18 | $4,520,000 | $251,111 | $3,194 | 3.15% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 14 | $4,460,000 | $318,571 | $3,982 | 2.96% |
| RICHMOND, VA (FHA|USDA|VA) | 11 | $4,295,000 | $390,455 | $3,286 | 3.09% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 15 | $4,025,000 | $268,333 | $2,826 | 2.78% |
| LONGVIEW, TX (FHA|USDA|VA) | 24 | $4,010,000 | $167,083 | $5,182 | 3.41% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 14 | $3,920,000 | $280,000 | $3,231 | 3.37% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 13 | $3,795,000 | $291,923 | $4,150 | 3.02% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 7 | $3,675,000 | $525,000 | $2,650 | 3.27% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 10 | $3,610,000 | $361,000 | $6,238 | 3.39% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 13 | $3,595,000 | $276,538 | $4,359 | 3.26% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 13 | $3,595,000 | $276,538 | $3,227 | 3.12% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 10 | $3,240,000 | $324,000 | $2,026 | 2.97% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 8 | $3,210,000 | $401,250 | $3,095 | 2.98% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 12 | $3,200,000 | $266,667 | $1,107 | 2.98% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 14 | $3,190,000 | $227,857 | $3,831 | 3.29% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 12 | $3,160,000 | $263,333 | $4,536 | 3.32% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 6 | $3,100,000 | $516,667 | $2,948 | 3.04% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 16 | $2,810,000 | $175,625 | $2,360 | 3.23% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 7 | $2,755,000 | $393,571 | $4,446 | 3.04% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 7 | $2,645,000 | $377,857 | $3,705 | 3.04% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 19 | $2,505,000 | $131,842 | $2,861 | 3.28% |
| AMARILLO, TX (FHA|USDA|VA) | 10 | $2,490,000 | $249,000 | $3,387 | 3.29% |
| Blytheville, AR (FHA|USDA|VA) | 8 | $2,430,000 | $303,750 | $2,647 | 4.20% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 7 | $2,365,000 | $337,857 | $2,368 | 3.09% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 7 | $2,305,000 | $329,286 | $5,655 | 2.98% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 10 | $2,290,000 | $229,000 | $5,921 | 3.33% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 8 | $2,120,000 | $265,000 | $5,179 | 3.19% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 6 | $2,080,000 | $346,667 | $3,651 | 2.96% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 3 | $2,055,000 | $685,000 | $1,648 | 3.04% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 10 | $2,050,000 | $205,000 | $5,268 | 3.83% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 8 | $1,900,000 | $237,500 | $3,542 | 3.30% |
| TUCSON, AZ (FHA|USDA|VA) | 7 | $1,885,000 | $269,286 | $2,653 | 2.95% |
| SANTA FE, NM (FHA|USDA|VA) | 2 | $1,800,000 | $900,000 | $3,361 | 3.44% |
| STOCKTON, CA (FHA|USDA|VA) | 5 | $1,705,000 | $341,000 | $3,102 | 3.70% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 6 | $1,690,000 | $281,667 | $3,384 | 2.92% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 7 | $1,605,000 | $229,286 | $5,570 | 3.45% |
| PITTSFIELD, MA (FHA|USDA|VA) | 6 | $1,570,000 | $261,667 | $4,065 | 3.06% |
| PITTSBURGH, PA (FHA|USDA|VA) | 7 | $1,555,000 | $222,143 | $4,065 | 2.91% |
| BOISE CITY, ID (FHA|USDA|VA) | 7 | $1,515,000 | $216,429 | $3,327 | 2.79% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 5 | $1,465,000 | $293,000 | $2,458 | 2.93% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 4 | $1,350,000 | $337,500 | $9,061 | 3.03% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 5 | $1,325,000 | $265,000 | $4,485 | 3.12% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 4 | $1,290,000 | $322,500 | $3,348 | 3.41% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 5 | $1,265,000 | $253,000 | $3,429 | 3.38% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 6 | $1,170,000 | $195,000 | $4,300 | 3.21% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 4 | $1,160,000 | $290,000 | $5,904 | 2.94% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 5 | $1,135,000 | $227,000 | $3,192 | 3.40% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 2 | $1,130,000 | $565,000 | $3,496 | 2.94% |
| KNOXVILLE, TN (FHA|USDA|VA) | 4 | $1,130,000 | $282,500 | $3,137 | 3.03% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 7 | $1,125,000 | $160,714 | $3,203 | 3.45% |
| COLUMBIA, SC (FHA|USDA|VA) | 4 | $1,090,000 | $272,500 | $5,928 | 3.41% |
| Batesville, AR (FHA|USDA|VA) | 11 | $1,065,000 | $96,818 | $2,930 | 4.01% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 4 | $1,050,000 | $262,500 | $6,217 | 3.06% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 4 | $1,040,000 | $260,000 | $3,517 | 3.53% |
| Durango, CO (FHA|USDA|VA) | 2 | $1,030,000 | $515,000 | $1,636 | 3.44% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 3 | $1,015,000 | $338,333 | $2,359 | 2.54% |
| Georgetown, SC (FHA|USDA|VA) | 3 | $1,005,000 | $335,000 | $4,011 | 3.04% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 3 | $995,000 | $331,667 | $3,600 | 2.79% |
| Heber, UT (FHA|USDA|VA) | 2 | $990,000 | $495,000 | $2,622 | 3.19% |
| MERCED, CA (FHA|USDA|VA) | 3 | $975,000 | $325,000 | $3,081 | 3.38% |
| Mount Vernon, OH (FHA|USDA|VA) | 3 | $915,000 | $305,000 | $4,335 | 3.38% |
| Granbury, TX (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $5,509 | 2.96% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 2 | $880,000 | $440,000 | $2,235 | 3.38% |
| MODESTO, CA (FHA|USDA|VA) | 3 | $865,000 | $288,333 | $3,356 | 3.17% |
| VALLEJO, CA (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $2,656 | 2.94% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 4 | $850,000 | $212,500 | $3,175 | 3.28% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 2 | $830,000 | $415,000 | $6,678 | 3.19% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $3,065 | 3.21% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 3 | $805,000 | $268,333 | $3,543 | 3.04% |
| Lebanon, NH-VT (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $5,790 | 2.83% |
| ST. GEORGE, UT (FHA|USDA|VA) | 3 | $755,000 | $251,667 | $2,488 | 3.00% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 4 | $750,000 | $187,500 | $3,184 | 3.09% |
| NILES, MI (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $3,399 | 3.31% |
| GAINESVILLE, GA (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $2,713 | 3.31% |
| Sandusky, OH (FHA|USDA|VA) | 5 | $705,000 | $141,000 | $3,911 | 3.15% |
| REDDING, CA (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $5,827 | 2.56% |
| Sevierville, TN (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $3,644 | 3.88% |
| CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $2,623 | 2.44% |
| ST. CLOUD, MN (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $5,492 | 2.69% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $665,000 | $665,000 | $199 | 3.13% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 4 | $660,000 | $165,000 | $3,509 | 3.00% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $8,803 | 2.88% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 4 | $660,000 | $165,000 | $5,321 | 3.63% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $650 | 3.00% |
| ASHEVILLE, NC (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $3,723 | 2.63% |
| Urbana, OH (FHA|USDA|VA) | 5 | $645,000 | $129,000 | $5,016 | 3.60% |
| SAVANNAH, GA (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $2,184 | 2.63% |
| Show Low, AZ (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $1,954 | 3.25% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 4 | $600,000 | $150,000 | $4,843 | 3.69% |
| THE VILLAGES, FL (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $1,074 | 2.69% |
| BILLINGS, MT (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $2,869 | 3.25% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $4,365 | 2.83% |
| MORRISTOWN, TN (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $4,795 | 2.94% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $3,608 | 2.96% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $3,273 | 4.13% |
| Cedar City, UT (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $595 | 2.75% |
| Outside of Metro Areas | 2 | $560,000 | $280,000 | $3,954 | 3.19% |
| Bellefontaine, OH (FHA|USDA|VA) | 4 | $550,000 | $137,500 | $3,310 | 3.47% |
| Sandpoint, ID (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $1,058 | 2.88% |
| ODESSA, TX (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $10,971 | 3.13% |
| Norwalk, OH (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $3,541 | 2.88% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $491 | 2.81% |
| TYLER, TX (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $3,106 | 3.63% |
| Sonora, CA (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $1,252 | 2.88% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $3,294 | 2.87% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $2,667 | 3.46% |
| FRESNO, CA (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $3,122 | 3.31% |
| Prineville, OR (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $3,874 | 3.25% |
| APPLETON, WI (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $3,148 | 3.19% |
| TULSA, OK (FHA|USDA|VA) | 4 | $470,000 | $117,500 | $2,561 | 3.22% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $14,500 | 3.00% |
| Paragould, AR (FHA|USDA|VA) | 4 | $460,000 | $115,000 | $2,397 | 4.31% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $5,274 | 3.13% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $4,880 | 2.88% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $4,907 | 2.75% |
| LAREDO, TX (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $4,954 | 3.75% |
| MANSFIELD, OH (FHA|USDA|VA) | 4 | $440,000 | $110,000 | $5,720 | 4.16% |
| Las Vegas, NM (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $4,586 | 3.13% |
| MORGANTOWN, WV (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $4,068 | 3.06% |
| AKRON, OH (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $4,859 | 2.69% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $4,568 | 3.38% |
| ERIE, PA (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $10,538 | 3.50% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $2,200 | 2.88% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 3 | $415,000 | $138,333 | $2,171 | 4.38% |
| Steamboat Springs, CO (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $285 | 2.88% |
| READING, PA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $2,072 | 2.75% |
| RENO, NV (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $4,682 | 3.56% |
| PANAMA CITY, FL (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $4,696 | 3.38% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $25,793 | 4.13% |
| Minot, ND (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $22,511 | 2.75% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $3,886 | 3.63% |
| LAS CRUCES, NM (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $3,847 | 3.75% |
| Clarksburg, WV (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,144 | 2.88% |
| Ashland, OH (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $2,872 | 3.58% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $3,629 | 3.12% |
| Laconia, NH (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $5,931 | 3.25% |
| MEDFORD, OR (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $4,150 | 2.88% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $2,849 | 3.13% |
| SALEM, OR (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $6,511 | 2.75% |
| ANCHORAGE, AK (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $6,624 | 2.75% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $1,669 | 2.88% |
| Bennington, VT (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $2,683 | 3.25% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $9,494 | 2.75% |
| Calhoun, GA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $6,843 | 2.75% |
| Klamath Falls, OR (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $6,046 | 2.63% |
| Forrest City, AR (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $2,472 | 3.13% |
| Mount Airy, NC (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $5,510 | 2.63% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $668 | 3.25% |
| MADISON, WI (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $4,334 | 3.44% |
| VISALIA, CA (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $2,612 | 3.38% |
| BOULDER, CO (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $4,372 | 2.88% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $659 | 2.75% |
| Clewiston, FL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,442 | 2.88% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $3,969 | 3.25% |
| Cambridge, OH (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $5,989 | 4.06% |
| JACKSON, TN (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $4,458 | 3.06% |
| CHICO, CA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $967 | 3.25% |
| Concord, NH (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $5,220 | 2.63% |
| Athens, TX (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $4,639 | 3.25% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,766 | 2.88% |
| Laurinburg, NC (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,916 | 2.50% |
| Searcy, AR (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,662 | 3.50% |
| Payson, AZ (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $3,912 | 3.25% |
| Cambridge, MD (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $4,488 | 4.25% |
| ROCHESTER, MN (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,776 | 3.50% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $6,822 | 2.75% |
| Oak Harbor, WA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $5,787 | 3.38% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,363 | 3.63% |
| Rexburg, ID (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,238 | 3.13% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $14,946 | 3.75% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $1,122 | 2.50% |
| Oxford, MS (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,826 | 3.38% |
| Hilo, HI (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,117 | 2.75% |
| LEWISTON-AUBURN, ME (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,142 | 2.88% |
| COLUMBIA, MO (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $1,595 | 2.88% |
| Thomaston, GA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,679 | 2.88% |
| Sayre, PA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,571 | 2.88% |
| FLORENCE, SC (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $4,687 | 3.94% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,407 | 3.38% |
| Cedartown, GA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $1,256 | 2.75% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,054 | 3.63% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,041 | 2.50% |
| Brevard, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,817 | 3.38% |
| CHEYENNE, WY (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,593 | 2.63% |
| Lewisburg, TN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,260 | 3.75% |
| Zanesville, OH (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $3,980 | 3.31% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,500 | 3.00% |
| Mount Pleasant, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,496 | 3.50% |
| GREENVILLE, NC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,945 | 3.25% |
| Richmond, IN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $1,612 | 2.75% |
| HINESVILLE, GA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,684 | 2.88% |
| YAKIMA, WA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,459 | 3.25% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,074 | 3.38% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,941 | 2.75% |
| Keene, NH (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,096 | 2.75% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $1,323 | 3.75% |
| Lufkin, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,913 | 2.50% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,339 | 2.88% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,224 | 3.25% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,603 | 3.13% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,154 | 3.13% |
| DECATUR, IL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,175 | 2.75% |
| Cornelia, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,615 | 3.50% |
| JACKSON, MS (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,342 | 2.63% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,134 | 3.25% |
| Ozark, AL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,692 | 3.38% |
| Jackson, WY-ID (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,823 | 2.88% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,313 | 3.25% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,632 | 3.00% |
| Starkville, MS (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,190 | 3.25% |
| BRUNSWICK, GA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,069 | 2.50% |
| ROCHESTER, NY (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,872 | 2.75% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,290 | 3.88% |
| Cookeville, TN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,064 | 3.00% |
| DULUTH, MN-WI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,600 | 3.63% |
| PINE BLUFF, AR (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,455 | 3.38% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,432 | 2.50% |
| Cullowhee, NC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,921 | 2.25% |
| CHARLESTON, WV (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,391 | 2.88% |
| GREEN BAY, WI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,254 | 3.00% |
| Pahrump, NV (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,560 | 3.50% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,214 | 3.63% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,038 | 2.75% |
| Meadville, PA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,854 | 3.38% |
| Bennettsville, SC (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,864 | 3.88% |
| SYRACUSE, NY (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,095 | 3.00% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,559 | 4.25% |
| Marion, OH (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $6,244 | 4.25% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,990 | 3.63% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,536 | 3.75% |
| DuBois, PA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $4,117 | 3.38% |
| Mountain Home, AR (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 4.75% |
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Product Mix
For 2020, Evolve Bank & Trust's most frequently originated type of loan was Conventional, with 3,909 originations. Their 2nd most popular type was FHA, with 624 originations.
Loan Reason
For 2020, Evolve Bank & Trust's most frequently cited loan purpose was Home Purchase, with 2,256 originations. The 2nd most popular reason was Refi, with 2,012 originations.
Loan Duration/Length
For 2020, Evolve Bank & Trust's most frequently cited loan duration was 30 Year, with 4,133 originations. The 2nd most popular length was 15 Year, with 450 originations.
Origination Fees/Closing Costs
Evolve Bank & Trust's average total fees were $4,692, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,822 originations.
Interest Rates
During 2020, Evolve Bank & Trust's average interest rate for loans was 3.23%, while their most frequently originated rate bucket for loans was 3-4%, with 2,175 originations.
Loan Sizing
2020 saw Evolve Bank & Trust place emphasis on $200k-400k loans with 2,480 originations, totaling $708,480,000 in origination value.
Applicant Income
Evolve Bank & Trust lent most frequently to those with incomes in the $100k-150k range, with 1,128 originations. The second most popular income band? $50k-75k, with 936 originations.
Applicant Debt to Income Ratio
Evolve Bank & Trust lent most frequently to those with DTI ratios of 20-30%, with 1,030 originations. The next most common DTI ratio? 30-36%, with 863 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications91.46%
Evolve Bank & Trust has an average approval rate.
Pick Rate
Approvals leading to origination78.80%
Evolve Bank & Trust has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 4,859 | $1,410,815,000 | $290,351 |
Occupancy Type Mix
LTV Distribution
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Evolve Bank & Trust | 123 West Parkin Parkin, AR 72373 | Full Service B&M | $12,211 |
| Evolve Bank & Trust | 1690 Falls Boulevard North Wynne, AR 72396 | Full Service B&M | $29,025 |
| Evolve Bank & Trust | 301 Shoppingway Boulevard West Memphis, AR 72301 | Full Service B&M | $317,305 |
| Evolve Bank & Trust | 6070 Poplar Avenue, Suite 100 Memphis, TN 38119 | Full Service B&M | $47,286 |
For 2020, Evolve Bank & Trust had 4 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $24,865 |
| Net interest income | $22,368 |
| Total noninterest income | $82,383 |
| Gross Fiduciary activities income | $5,563 |
| Service charges on deposit accounts | $8,438 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $68,382 |
| Pre-tax net operating income | $14,940 |
| Securities gains (or losses, -) | $0 |
| Income before extraordinary items | $10,992 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $10,992 |
| Minority interest net income | $0 |
| Net income | $10,992 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $10,992 |
Evolve Bank & Trust's gross interest income from loans was $24,865,000.
Evolve Bank & Trust's net interest income from loans was $22,368,000.
Evolve Bank & Trust's fee based income from loans was $8,438,000.
Evolve Bank & Trust's net income from loans was $10,992,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $2,497 |
| Provision for credit losses | $1,042 |
| Total noninterest expense | $88,769 |
| Salaries and employee benefits | $60,581 |
| Premises and equipment expense | $4,010 |
| Additional noninterest expense | $24,178 |
| Applicable income taxes | $3,948 |
| Net charge-offs | $354 |
| Cash dividends | $2,130 |
Evolve Bank & Trust's interest expense for loans was $2,497,000.
Evolve Bank & Trust's payroll and benefits expense were $60,581,000.
Evolve Bank & Trust's property, plant and equipment expenses $4,010,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 0.0% |
| Real Estate loans | 0.0% |
| Construction & Land Development loans | 1.0% |
| Nonfarm, nonresidential loans | 0.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 0.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 1.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.0% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $514,782 |
| Deposits held in domestic offices | $514,782 |
| Deposits by Individuals, partnerships, and corporations | $505,246 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $6,813 |
| Deposits by Commercial banks and other depository institutions in U.S. | $2,723 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $379,560 |
| Demand deposits | $219,218 |
| Nontransaction accounts | $135,222 |
| Money market deposit accounts (MMDAs) | $43,937 |
| Other savings deposits (excluding MMDAs) | $9,174 |
| Total time deposits | $82,111 |
| Total time and savings deposits | $295,564 |
| Noninterest-bearing deposits | $219,218 |
| Interest-bearing deposits | $295,564 |
| Retail deposits | $488,939 |
| IRAs and Keogh plan accounts | $12,341 |
| Brokered deposits | $18,997 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $691,611 |
| Cash & Balances due from depository institutions | $49,522 |
| Interest-bearing balances | $11,108 |
| Total securities | $27,012 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $577,851 |
| Loan and leases loss allowance | $7,033 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $4,929 |
| Other real estate owned | $735 |
| Goodwill and other intangibles | $8,284 |
| All other assets | $23,278 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $691,611 |
| Total Liabilities | $636,152 |
| Total deposits | $514,782 |
| Interest-bearing deposits | $295,564 |
| Deposits held in domestic offices | $514,782 |
| % insured (estimated) | $38 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $97,598 |
| Subordinated debt | $0 |
| All other liabilities | $23,772 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $577,851 |
| Loan and leases loss allowance | $7,033 |
| Total loans and leases (domestic) | $584,884 |
| All real estate loans | $449,225 |
| Real estate loans in domestic offices | $449,225 |
| Construction and development loans | $19,891 |
| Residential 1-4 family construction | $7,878 |
| Other construction, all land development and other land | $12,013 |
| Loans secured by nonfarm nonresidential properties | $121,640 |
| Nonfarm nonresidential secured by owner-occupied properties | $88,060 |
| Commercial real estate & other non-farm, non-residential | $33,580 |
| Multifamily residential real estate | $19,154 |
| 1-4 family residential loans | $285,833 |
| Farmland loans | $2,707 |
| Loans held in foreign offices | $0 |
| Farm loans | $1,101 |
| Commercial and industrial loans | $129,885 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $2,947 |
| Credit card loans | $0 |
| Related Plans | $1,478 |
| Consumer Auto Loans | $686 |
| Other loans to individuals | $783 |
| All other loans & leases | $1,726 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $1,200 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $0 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $6,446 |
| Non 1-4 family restructured loans & leases | $6,446 |
| Total loans and leases (foreign) | $0 |
Evolve Bank & Trust had $577,851,000 of loans outstanding in 2020. $449,225,000 of loans were in real estate loans. $19,891,000 of loans were in development loans. $19,154,000 of loans were in multifamily mortgage loans. $285,833,000 of loans were in 1-4 family mortgage loans. $1,101,000 of loans were in farm loans. $0 of loans were in credit card loans. $686,000 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 281 | $74,898 | $266,541 |
| Nonfarm, nonresidential loans - <$100k | 61 | $4,386 | $71,902 |
| Nonfarm, nonresidential loans - $100-250k | 100 | $14,785 | $147,850 |
| Nonfarm, nonresidential loans - $250k-1MM | 120 | $55,727 | $464,392 |
| Commercial & Industrial, US addressed loans - <$1MM | 1,280 | $92,128 | $71,975 |
| Commercial & Industrial, US addressed loans - <$100k | 879 | $24,636 | $28,027 |
| Commercial & Industrial, US addressed loans - $100-250k | 273 | $26,184 | $95,912 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 128 | $41,308 | $322,719 |
| Farmland loans - <$1MM | 8 | $863 | $107,875 |
| Farmland loans - <$100k | 4 | $106 | $26,500 |
| Farmland loans - $100-250k | 3 | $312 | $104,000 |
| Farmland loans - $250k-1MM | 1 | $445 | $445,000 |
| Agriculture operations loans - <$1MM | 3 | $472 | $157,333 |
| Agriculture operations loans - <$100k | 1 | $33 | $33,000 |
| Agriculture operations loans - $100-250k | 1 | $115 | $115,000 |
| Agriculture operations loans - $250k-1MM | 1 | $324 | $324,000 |