Unverified listing What this means
The Lender Report built this page from public records. Evolve Bank & Trust has not reviewed it. Every lender's page starts this way, and it says nothing about Evolve Bank & Trust itself. Each figure shows its source and date. Work at Evolve Bank & Trust? You can claim this page for free.
Bank, West Memphis, AR
Evolve Bank & Trust
A bank based in West Memphis, AR. Its commercial book is led by C&I and owner-occupied CRE. Public files show recent multifamily, 1-4 unit investor, SBA 7(a) and SBA 504 loans it made.
- Kind
- Bank
- Data as of
- June 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $492M
- FDIC call report,
- Holds, not loans made
- Multifamily loans made, 2025
- 15
- HMDA,
- HMDA, 5 or more units
- SBA loans, 36 months
- 126
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $1.19B
- FDIC call report,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 866-234-9348 From the lender's website, retrieved November 9, 2026. Source page
- Website
- www.getevolved.comFrom the FDIC record, November 9, 2026.
- Commercial lending page
- getevolved.comFrom the lender's website, retrieved November 11, 2026.
- Names it files under
- Evolve Bank and TrustFDIC institution record,
- Address
- 301 Shoppingway Blvd, West Memphis, AR 72301FDIC institution record,
- Regulator record
- FDIC BankFind
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
What changed. Evolve Bank & Trust originated 15 multifamily loans in 2025, versus 8 in 2024. HMDA,
| When | What the record shows | Source |
|---|---|---|
| Last 24 months | Office changes in the last 24 months: 0 opened, 17 closed, 0 relocated.FDIC structure history. | FDIC history |
| Oct 2023 to Sep 2026 | SBA 7(a) approvals by processing method: 103 under Preferred Lender authority.SBA ProcessingMethod field, net of cancellations. | SBA FOIA, |
| Jun 2025 to Jun 2026 | Commercial and industrial balance rose 3.1% to $232.5M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Sep 2026 | Washington | SBA 7(a), Assisted Living Facilities for the Elderly | $1.8M | 8.5% | 25 yr | SBA FOIA | |
| Sep 2026 | Washington | SBA 7(a), Retail Trade | $1.8M | 9.75% | 25 yr | SBA FOIA | |
| Sep 2026 | Oregon | SBA 7(a), Public Administration | $1M | 8.75% | 25 yr | SBA FOIA | |
| Sep 2026 | Washington | SBA 7(a), Assisted Living Facilities for the Elderly | $770K | 8.5% | 25 yr | SBA FOIA | |
| Jul 2026 | Washington | SBA 7(a), Home Health Care Services | $3M | 8.5% | 25 yr | SBA FOIA | |
| Jul 2026 | Washington | SBA 7(a), Assisted Living Facilities for the Elderly | $1.7M | 8.5% | 25 yr | SBA FOIA | |
| Jul 2026 | Pennsylvania | SBA 7(a), Landscaping Services | $1.3M | 8.75% | 15 yr | SBA FOIA | |
| Jun 2026 | Oregon | SBA 7(a), Other Residential Care Facilities | $950K | 8.5% | 25 yr | SBA FOIA | |
| May 2026 | Washington | SBA 7(a), Manufacturing | $1M | 9.5% | 10 yr | SBA FOIA | |
| May 2026 | California | SBA 7(a), Used Household and Office Goods Moving | $390K | 9.25% | 10 yr | SBA FOIA | |
| Apr 2026 | Pennsylvania | SBA 7(a), Recyclable Material Merchant Wholesalers | $1.8M | 9.5% | 10 yr | SBA FOIA | |
| Apr 2026 | California | SBA 7(a), Services for the Elderly and Persons with Disabilities | $1M | 8.75% | 10 yr | SBA FOIA | |
| Apr 2026 | Pennsylvania | SBA 7(a), Snack and Nonalcoholic Beverage Bars | $1M | 9.5% | 10 yr | SBA FOIA | |
| Apr 2026 | Tennessee | SBA 7(a), All Other Amusement and Recreation Industries | $280K | 9.5% | 10 yr | SBA FOIA | |
| Apr 2026 | Massachusetts | SBA 7(a), Child Care Services | $120K | 9% | 10 yr | SBA FOIA | |
| Mar 2026 | Washington | SBA 7(a), Assisted Living Facilities for the Elderly | $830K | 8.5% | 25 yr | SBA FOIA | |
| Mar 2026 | Florida | SBA 7(a), Other Computer Related Services | $800K | 9.5% | 10 yr | SBA FOIA | |
| 2025 | Cross County, AR | Refinance, 5 to 24 units | $160K | 7.5% | 5 yr | 56% | HMDA 2025 |
| 2025 | Arkansas | Refinance, 5 to 24 units | $1.3M | 7% | 5 yr | 75% | HMDA 2025 |
| 2025 | Cross County, AR | Refinance, 5 to 24 units | $760K | 7% | 5 yr | 75% | HMDA 2025 |
| 2025 | Shelby County, TN | Refinance, 25 to 49 units | $2.4M | 7.25% | 5 yr | 55% | HMDA 2025 |
| 2025 | Shelby County, TN | Improvement, 25 to 49 units | $4.8M | 7.5% | 5 yr | 69% | HMDA 2025 |
| 2025 | Mississippi County, AR | Purchase, 5 to 24 units | $500K | 7.5% | 5 yr | 74% | HMDA 2025 |
| 2025 | Craighead County, AR | Refinance, 25 to 49 units | $280K | 7% | 5 yr | 12% | HMDA 2025 |
| 2025 | Cross County, AR | Purchase, 5 to 24 units | $920K | 7% | 5 yr | 90% | HMDA 2025 |
| 106 SBA 7(a) loans since October 2023, net of cancelled | $112M | SBA FOIA | |||||
A blank means the source did not report it.
What it holds
FDIC call report, June 30, 2026
| Book | Holds | Of its loans | Year over year |
|---|---|---|---|
| Multifamily | $25.1M | 2.8% | -22.1% |
| Construction and land development | $67.1M | 7.5% | +48.0% |
| Owner-occupied CRE | $89.4M | 9.9% | -3.3% |
| Non-owner-occupied CRE | $76.7M | 8.5% | -2.2% |
| Farmland | $874K | 0.1% | Not reported |
| Commercial and industrial | $233M | 25.8% | +3.1% |
| Commercial total | $492M |
Reference only: $345M of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $405M |
| Q4 2023 | $435M |
| Q1 2024 | $445M |
| Q2 2024 | $447M |
| Q3 2024 | $453M |
| Q4 2024 | $484M |
| Q1 2025 | $488M |
| Q2 2025 | $475M |
| Q3 2025 | $474M |
| Q4 2025 | $477M |
| Q1 2026 | $491M |
| Q2 2026 | $492M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 15 | $16.1M | $555K | $4.8M | HMDA, |
| Multifamily, 5 or more units | 2024 | 8 | $5.60M | $490K | HMDA, | |
| 1-4 unit investor or business purpose | 2025 | 187 | $34.7M | $155K | HMDA, | |
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 106 | $112M | $768K | $5M | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 33 | $40.4M | SBA FOIA, | ||
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 20 | $17.8M | $671K | $4.2M | SBA FOIA, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its FDIC certificate number. SBA 504 first liens: name and lender office city.
| Industry | Loans | Dollars |
|---|---|---|
| Assisted Living Facilities for the Elderly | 11 | $18.8M |
| Child Care Services | 7 | $9.32M |
| Health Care and Social Assistance | 5 | $6.34M |
| Plumbing, Heating, and Air-Conditioning Contractors | 5 | $4.47M |
Other lenders in these fields: SBA lenders for senior care businesses, SBA lenders for child care businesses, SBA lenders for construction trades.
Programs on record: Federal Home Loan Bank member, Dallas district (FHFA).
Undrawn commitments
FFIEC Call Report, June 30, 2026
- Evolve Bank & Trust reported commitments to fund construction loans that had not been drawn at June 30, 2026: $10,474,000 for 1-4 family residential construction and $11,084,000 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
- Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $93,702,000. These are credit lines not yet used.
Small loans it holds, by original size
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30, June 30, 2026
Loans held on the report date, grouped by the amount when each loan was made. Not loans made in a period.
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 525 | $21.8M |
| Over $100,000 up to $250,000 | 183 | $19.6M |
| Over $250,000 up to $1 million | 184 | $54.0M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 62 | $3.22M |
| Over $100,000 up to $250,000 | 87 | $12.8M |
| Over $250,000 up to $1 million | 152 | $65.4M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 2 | $59.0K |
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Arkansas HQ | 7 | 11 | 109 | 4 | 0 |
| Tennessee | 3 | 3 | 37 | 4 | 0 |
| California | 0 | 0 | 0 | 16 | 5 |
| Arizona | 0 | 0 | 0 | 19 | 1 |
| Washington | 0 | 0 | 0 | 17 | 0 |
| Texas | 0 | 0 | 8 | 6 | 0 |
| Missouri | 0 | 1 | 9 | 1 | 0 |
| Oklahoma | 0 | 0 | 10 | 0 | 0 |
| New York | 0 | 0 | 2 | 7 | 0 |
| Colorado | 0 | 0 | 0 | 3 | 4 |
| Georgia | 0 | 0 | 0 | 2 | 4 |
| Massachusetts | 0 | 0 | 3 | 2 | 1 |
Also in PA.
| County | Recorded loans | Dollars |
|---|---|---|
| Shelby County, TN | 6 | $12.6M |
| Craighead County, AR | 5 | $2.25M |
| Metro | Recorded loans | Dollars |
|---|---|---|
| Memphis, TN-MS-AR | 8 | $13.3M |
| Jonesboro, AR | 5 | $2.25M |
Offices by county
FDIC Summary of Deposits, June 30, 2026
- Evolve Bank & Trust has 5 offices in 4 counties and 2 states (FDIC Summary of Deposits, June 30, 2026): 5 full service and 0 limited service.
| County | Full-service offices | Limited-service offices |
|---|---|---|
| Cross County, AR | 2 | 0 |
| Craighead County, AR | 1 | 0 |
| Crittenden County, AR | 1 | 0 |
| Shelby County, TN | 1 | 0 |
Loan production offices are not in this file. A bank with no office here can still lend here.
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Estimated largest single loan | $25.3M | $15.0M to $31.3M across 8 peers | Estimate: 15% of tier 1 capital plus allowance. A further 10% is allowed with readily marketable collateral, and state-chartered banks follow state limits. Not a limit the lender has stated. | FDIC call report, 12 CFR 32.3, Jun 30, 2026 |
| CRE to capital | 100.4% | 146.1% to 304.6% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by tier 1 capital plus allowance. | FDIC call report, |
| Construction to capital | 39.9% | 37.1% to 127.5% across 8 peers | Construction loans divided by tier 1 capital plus allowance. | FDIC call report, |
| Loans to deposits | 91.7% | 80.8% to 110.4% across 8 peers | Total loans divided by total deposits. | FDIC call report, |
| Unused CRE commitments | $21.6M | $43.3M to $131M across 8 peers | Commitments to lend on commercial real estate that are not yet drawn. | FDIC call report, |
| Loans to assets | 75.7% | 69.9% to 86.0% across 8 peers | Total loans divided by total assets. | FDIC call report, |
Our calculation: construction, multifamily and non-owner-occupied nonfarm nonresidential loans, divided by tier 1 capital plus the allowance for loan losses. It is not the test in the 2006 interagency guidance on commercial real estate concentrations (December 12, 2006; OCC Bulletin 2006-46, Federal Reserve SR 07-1). That guidance measures against total risk-based capital, also counts loans that finance commercial real estate but are not secured by real estate, and looks more closely when construction and land loans reach 100% of that capital, or commercial real estate loans reach 300% of it and have grown 50% or more in the prior 36 months. This figure uses a different capital base, leaves out the unsecured loans and applies no growth condition. The guidance sets no limit on lending. Not a rating, and not a statement about safety or deposits.
Loan channel and SBA processing
Public record only
- Preferred Lender authority
- 103 loans (97.2%)
- Approval to first disbursement
- 23 days, median of 100
SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| First Arkansas Bank and Trust | AR | $1.14B | $572M |
| Central Bank | AR | $955M | $656M |
| Fm Bank And Trust | AR | $1.36B | $618M |
| Generations Bank | AR | $1.09B | $547M |
| Signature Bank of Arkansas | AR | $1.63B | $857M |
| Legacy Bank | AR | $1.27B | $762M |
| The Citizens Bank | AR | $1.62B | $988M |
| Relyance Bank | AR | $1.43B | $923M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- How much of its book it made recently. Call reports carry balances, not loans made.
- Which of its commercial real estate is office, retail, industrial or hotel. Call reports do not split the book by property type.
- How its 1-4 family loans divide between owner-occupied and investor.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
- Combines this filer's call report with HMDA or SBA figures reported under another name or LEI of the same institution.
Check this page
Against the regulator's own record
- Name and charter. Evolve Bank & Trust, FDIC certificate 1299. Compare it with the regulator's record. [FDIC BankFind]
- Balances. $1.19B in total assets and $492M in commercial loans held, from the call report for June 30, 2026. [Source]
- Loans made. 336 recorded loans from HMDA and SBA files, through September 30, 2026: 15 HMDA multifamily 2025, 8 HMDA multifamily 2024, 187 HMDA 1-4 unit investor 2025, 106 SBA 7(a) in 36 months, 20 SBA 504 first liens in 36 months. Each has its source and date. [How each file was tied to Evolve Bank & Trust]
- Phone and website. Phone 866-234-9348, from the lender's website on November 9, 2026. Website getevolved.com, from the FDIC record. [How to reach them]
Something wrong? Report it with evidence. It is free, and it works the same for every lender whether it pays or not. Report an error
For the record
Data as of June 30, 2026. Page last changed November 12, 2026.
- Regulator
- Federal Reserve
- FDIC certificate
- 1299
- RSSD
- 592448
- LEI
- 549300IRXW9RSZM2B951
- The Lender Report ID
- lr_001332
- FDIC classifies this bank as
- Commercial Lending Specialization
- Ownership
- Stock
- Head office metro area
- Memphis, TN-MS-AR
FDIC institution record, The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.
- Reported $1.2B in total assets as of June 30, 2026 (FDIC call report).
- Held $491.8M of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $232.5M of commercial and industrial loans as of June 30, 2026, up 3.1% from a year earlier (FDIC call report).
- Held $89.4M of owner-occupied commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $76.7M of non-owner-occupied commercial real estate loans as of June 30, 2026 (FDIC call report).
- Originated 15 multifamily loans totaling $16.1M in 2025 (HMDA).
8 more sentences
- Originated 8 multifamily loans totaling $5.6M in 2024 (HMDA).
- Originated 187 1-4 unit investor or business-purpose loans totaling $34.7M in 2025 (HMDA).
- Recorded 123 SBA 7(a) approvals totaling $133.2M from October 1, 2023 to September 30, 2026, of which 17 were later cancelled (SBA).
- Provided the first lien on 21 SBA 504 projects with $18.9M in first-lien dollars from October 1, 2023 to September 30, 2026, of which 1 was later cancelled (SBA).
- Listed 10 offices in 2 states (FDIC).
- Held 892 commercial and industrial loans that were $1 million or less when made, with a balance of $95.4M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Held 301 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $81.4M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $10.5M for 1-4 family and $11.1M for commercial and other construction (FFIEC Call Report). A commitment is not a loan made.
Cite this
Source: The Lender Report, Evolve Bank & Trust, https://lender.report/lender/evolve-bank-and-trust-ar/, data as of June 30, 2026.
Sources
- FDIC institution record, November 9, 2026
- FDIC office list, October 28, 2026
- FDIC call report, June 30, 2026
- FDIC call report, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- FFIEC Call Report, June 30, 2026
- FDIC call reports, June 30, 2026
- FDIC Summary of Deposits, June 30, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
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Work at Evolve Bank & Trust? Claim this page, free.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem