C
EvaBank
CullmanAL
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings EvaBank
Cullman, AL
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Rating C
Asset Quality Index 5.20
Capitalization Index 10.00
Liquidity Index 0.30
Profitability Index 10.00
Stability Index 3.70
Company Info EvaBank
Cullman, AL
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FDIC Number 26799
Phone Number (256) 255-2000
Website www.evabank.com
Asset Quality EvaBank
Cullman, AL
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1-Year Asset Growth 4.98%
5-Year Asset Growth 3.71%
5-Year Charge-Offs to Average Loans 0.26%
Charge-Offs to Average Loans 0.15%
Non-Performing Assets to Assets 2.77%
Non-Performing Loans to Capital 5.04%
Non-Performing Loans to Loans 3.13%
Balance Sheet EvaBank
Cullman, AL
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Total Assets 473.39M
Total Deposits 326.30M
Capital and Reserves EvaBank
Cullman, AL
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Capital 133.76M
Leverage Ratio 27.93
Loan Loss Reserves to Loans 2.32%
Risk-Based Capital Ratio --
Liquidity EvaBank
Cullman, AL
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Hot Money Ratio 48.46%
Liquidity Ratio 25.59%
Profitability EvaBank
Cullman, AL
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5-Year Return on Average Assets 2.48%
Net Income 8.83M
Net Interest Spread 6.01%
Operating Profit to Average Assets 3.23%
Overhead Efficiency Ratio 39.12%
Return on Assets 2.56%
Return on Equity 9.09%