Bank · FDIC insured
Eva Bank
A $490.6M bank headquartered in Eva, AL, with 7 branches in Alabama. Best rates: CDs 4.08% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. Savings: carrot has not captured enough rates to score this yet. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs894.08%for 16–30 monthsCD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Eva Bank
EvaBank is an independently owned and controlled bank operating seven branches across Alabama.
The bank maintains its main office in Cullman, Alabama.
- Headquarters
- 4113 Eva Rd, Eva, AL 35621
- FDIC certificate
- 26799 ↗
Branches
7 branches in Alabama
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Alabama
7 branches
Decatur area · 2
- EvaBankMain office4113 Eva Rd, Eva, AL 35621Directions
- Decatur Branch2404 Danville Rd Sw, Decatur, AL 35603Directions
Cullman area · 2
- Cherokee Office Branch1710 Cherokee Ave Sw, Cullman, AL 35055Directions
- Cullman Branch3210 Alabama Highway 157, Cullman, AL 35058Directions
Albertville area · 1
- Arab Branch1001 N Brindlee Mountain Pkwy, Arab, AL 35016Directions
Birmingham area · 1
- Clairmont Branch2915 Clairmont Ave S, Birmingham, AL 35205Directions
Huntsville area · 1
- Madison Branch8848 Madison Blvd, Madison, AL 35758Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 27.85% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.61% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 2.53% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $117 | $81 | — |
- CapitalLeverage ratio27.85%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.61%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets2.53%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$117Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Eva Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.