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 4.80
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 7.42%
5-Year Asset Growth 3.71%
5-Year Charge-Offs to Average Loans 0.26%
Charge-Offs to Average Loans 0.26%
Non-Performing Assets to Assets 2.82%
Non-Performing Loans to Capital 7.72%
Non-Performing Loans to Loans 3.31%
Balance Sheet EvaBank
Cullman, AL
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Total Assets 466.82M
Total Deposits 325.25M
Capital and Reserves EvaBank
Cullman, AL
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Capital 130.03M
Leverage Ratio 27.59
Loan Loss Reserves to Loans 2.29%
Risk-Based Capital Ratio --
Liquidity EvaBank
Cullman, AL
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Hot Money Ratio 46.21%
Liquidity Ratio 26.60%
Profitability EvaBank
Cullman, AL
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5-Year Return on Average Assets 2.48%
Net Income 5.74M
Net Interest Spread 5.89%
Operating Profit to Average Assets 3.15%
Overhead Efficiency Ratio 39.16%
Return on Assets 2.51%
Return on Equity 8.95%