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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mountain West · Idaho, the state note

D L Evans Bank

Burley, Idaho · $3.70B in assets · beside the 11 other the Mountain West banks between $3B and $10B (the state alone holds too few in the band to rank)

The filing

57.2%
Loans / deposits
2nd of 12
9.3%
Equity / assets
11th of 12
0.26%
NPA / loans
3rd of 12

D L Evans Bank is the tenth largest of the 12 the Mountain West banks between $3B and $10B, with $3.70B in assets at 30 June 2026. Loans are 57.2% of deposits, 2nd of 12 against a median of 86.0%, and equity is 9.3% of assets, 11th of 12. Loans grew +7.0% in the year, 5th of 12, and deposits grew 7.1%; the cohort's median loan growth is +6.6%.

Noncurrent loans are 0.26% of the book, 3rd of 12 against a median of 0.60%; 0.22% is 30 to 89 days past due, and the allowance covers them 5.3 times. Commercial real estate is 27.6% of loans, 5th of 12 against a median of 34.5%, and 130% of capital, below the 300% screen, with construction at 55% against the 100% screen.

Return on assets is 1.34%, 8th of 12 against a median of 1.44%, on an efficiency ratio of 51.6%, 6th of 12. Five years ago it was 1.42%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Loans as a share of depositsMountain West banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 86.0% GD Green Dot Bank dba Bonneville 0.8% DL D L Evans Bank 57.2% WF Wells Fargo National Bank West 68.4% AB Alpine Bank 75.8% Bo Bank of Colorado 81.2% SB Stockman Bank of Montana 84.4% CV Cache Valley Bank 87.6% FW First Western Trust Bank 95.9% Bo Bank of Utah 100.4% SB Sunwest Bank 103.7% MB Merrick Bank 117.2% CB Celtic Bank 117.3%
Loans, year over yearMountain West banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +6.6% CB Celtic Bank +37.6% SB Sunwest Bank +14.8% SB Stockman Bank of Montana +8.9% Bo Bank of Colorado +8.7% DL D L Evans Bank +7.0% FW First Western Trust Bank +6.7% CV Cache Valley Bank +6.5% AB Alpine Bank +6.2% Bo Bank of Utah +4.3% MB Merrick Bank +1.5% GD Green Dot Bank dba Bonneville -8.0% WF Wells Fargo National Bank West -11.1%

SBA 7(a), FY2008 to FY2026

D L Evans Bank is the 10th largest 7(a) lender into Idaho of 192, with $83M across 660 loans, 2.7% of everything approved in the state (Glacier Bank leads with $376M). 14 of its 31 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Idaho, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Ada, ID$28M11th of 1332.5%-0.6 pts
Twin Falls, ID$13M1st of 4413.0%+7.6 pts
Blaine, ID$9M4th of 2611.5%+4.3 pts
Canyon, ID$8M9th of 622.9%-2.9 pts
Bonneville, ID$7M8th of 464.4%quiet FY2022
Bannock, ID$4M11th of 433.1%-0.9 pts
Cassia, ID$4M5th of 2210.4%+4.4 pts
Jerome, ID$3M4th of 1710.6%+2.2 pts
Elmore, ID$1M4th of 1410.9%+2.1 pts
Gooding, ID$993K6th of 128.1%thin
Payette, ID$802K9th of 222.7%quiet FY2022
Custer, ID$645K6th of 107.7%-3.0 pts
Jefferson, ID$640K12th of 182.1%quiet FY2019
18 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Construction118$16M18.8%0.05%283rd of 2,063
Health care & social assistance105$15M18.5%0.03%301st of 2,172
Retail trade99$9M11.4%0.02%499th of 2,589
Manufacturing39$7M8.9%0.02%554th of 2,246
Real estate & leasing22$6M7.7%0.05%276th of 1,452
7(a) lenders into Idaho, share of approvals since FY2008192 lenders on record; the ten largest and D L Evans Bank
GB Glacier Bank 12.2% $376M · 1,348 loans ZB Zions Bank, A Division of 8.9% $274M · 1,911 loans IC Idaho Central CU 6.8% $209M · 399 loans LO Live Oak Banking Company 5.4% $167M · 132 loans CB Columbia Bank 5.3% $164M · 605 loans WT Washington Trust Bank 4.8% $147M · 346 loans WF Wells Fargo Bank National Associa… 4.7% $144M · 597 loans FI First Interstate Bank 3.4% $104M · 321 loans UB U.S. Bank, National Association 3.2% $98M · 875 loans DL D. L. Evans Bank 2.7% $83M · 660 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers, D L Evans Bank among them; owner-occupied excluded; bold marks a screen met
D L Evans BankRankCohort median
Total CRE against capital, the 300% screen130%5th of 12230%
Construction against capital, the 100% screen55%6th of 1255%
Construction and land development, share of loans11.6%9th of 128.0%
Non-owner-occupied nonfarm nonresidential, share of loans12.7%5th of 1219.4%
Total CRE, the guidance definition, share of loans27.6%5th of 1234.5%
CRE growth over 36 months, the third prong+22.6%4th of 10+36.8%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Merrick Bank$9.13B2.5%33.6%3.52%11.62%15.4%117.2%17.6%
Wells Fargo National Bank West$8.77B1.0%23.4%0.97%0.00%0.3%68.4%19.2%
Stockman Bank of Montana$7.75B1.9%50.6%0.60%0.02%1.8%84.4%9.7%
Bank of Colorado$7.61B1.3%51.8%0.10%0.01%1.3%81.2%10.2%
Alpine Bank$6.69B1.3%61.4%0.31%0.12%1.1%75.8%10.8%
Green Dot Bank dba Bonneville$5.44B1.5%92.5%3.56%66.62%17.3%0.8%5.8%
Celtic Bank$5.33B3.3%33.2%3.63%0.46%1.6%117.3%17.4%
Sunwest Bank$4.41B1.6%61.6%0.60%0.00%1.8%103.7%9.3%
Bank of Utah$3.79B1.3%61.6%0.15%0.22%1.2%100.4%12.3%
D L Evans Bank$3.70B1.3%51.6%0.26%0.00%1.4%57.2%9.3%
Cache Valley Bank$3.49B2.0%39.1%0.29%0.09%1.3%87.6%10.5%
First Western Trust Bank$3.24B0.8%73.5%0.60%0.00%0.7%95.9%9.8%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
D L Evans BankCohort median
20212026Change20212026Change
Loans$1.31B$1.81B+38%$2.37B$4.00B+69%
Deposits$2.32B$3.17B+37%$2.71B$4.47B+65%
NPA / loans0.70%0.26%-0.44 pts0.31%0.60%+0.29 pts
Efficiency56.2%51.6%-4.7 pts50.5%51.7%+1.2 pts
ROA1.42%1.34%-0.08 pts1.62%1.44%-0.18 pts

This read was prepared for D L Evans Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on D L Evans Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort Mountain West banks $3B to $10B
Institution dlevans.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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