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D. L. Evans Bank
Burley, ID·FDIC Cert #11666·Charter: STATE·Est. 19040829.0·HC: D L EVANS BCORP
Total Assets
$3.7B
Q4 2025
Return on Assets
1.12%
+0.05%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
57.45%
Peer avg: 57.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
66
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.12%+0.05
ROE
12.97%+0.47
Efficiency
57.45%-1.27
Equity/Assets
0.00%+0.00
NPL Ratio
0.23%+0.02
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
55.04%-2.45
Charge-offs
0.01%-0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.9 | 1.0 | 1.0 | 1.0 | 1.0 | 1.0 | 1.1 | 1.1 |
| ROE | 11.7 | 12.2 | 12.0 | 12.1 | 12.0 | 12.3 | 12.5 | 13.0 |
| Efficiency | 60.0 | 60.1 | 60.9 | 61.3 | 60.7 | 59.4 | 58.7 | 57.4 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.3 | 0.3 | 0.3 | 0.2 | 0.3 | 0.2 | 0.2 | 0.2 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 56.1 | 57.8 | 57.1 | 54.4 | 55.9 | 56.5 | 57.5 | 55.0 |
Balance Sheet
Total Assets$3.7B
Total Deposits$3.1B
Total Loans$1.7B
Total Equity$327.2M
Profitability
ROA1.12%
ROE12.97%
Efficiency Ratio57.45%
Net Income$39.1M
Risk & Asset Quality
NPL Ratio0.23%
Charge-off Rate0.01%
Loan/Deposit55.04%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans