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Overview / Commentary
397 North Overland Avenue
Burley, ID 83318

D. L. Evans Bank is headquartered in Burley and is the largest bank in the state of Idaho. It is also the 658th largest bank in the nation. It was established in 1904 and as of December of 2013, it had grown to 271 employees at 22 locations. D. L. Evans Bank has a B health rating.

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 D. L. Evans Bank had $23.39 million in non-current loans and owned real-estate with $110.55 million in equity and loan loss allowances on hand to cover it. This gives D. L. Evans Bank a Texas Ratio of 21.16% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for D. L. Evans Bank experienced no significant changes from 19.45% as of December 31, 2012 to 21.16% as of December 31, 2013, resulting in a negative change of 8.80%. This indicates that the balance sheet and financial strength for D. L. Evans Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, D. L. Evans Bank has decreased its total deposits by -$6.8 million, resulting in -0.83% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth D. L. Evans Bank has shown is average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. D. L. Evans Bank has $1.01 billion in assets with $110.55 million in equity, resulting in a capitalization level of 10.97%, which is above average.

Institution Statistics

FDIC Certificate #11666
Year Established1904
Primary RegulatorFDIC
Assets and Liabilities
Assets$1.01 billion
Loans$622.65 million
Deposits$810.18 million
Equity Capital$96.59 million
Loan Loss Allowance$13.97 million
Unbacked Noncurrent Loans$11.84 million
Real Estate Owned$11.55 million
Historic Data - December 2012
Assets$994.60 million
Equity Capital$100.18 million
Loan Loss Allowance$13.86 million
Unbacked Noncurrent Loans$11.84 million
Real Estate Owned$14.43 million
Profit Margin - Quarterly
Net Interest Margin3.68%
Return on Assets0.97%
Return on Equity9.56%
Interest Income$39.68 million
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D. L. Evans Bank Savings Account Rates

0.49%-$20kSMART Rewards Savings
0.05%--SMART Rewards Savings

D. L. Evans Bank Checking Account Rates

1.01%-$20kSMART Rewards Checking
0.05%--SMART Rewards Checking

D. L. Evans Bank has 20 locations. Click to view all D. L. Evans Bank locations.