307 Church Lane
Tappahannock, VA 22560
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Notable Rates APY Vs.Others
Savings N.A. 0.65% →
1-Year CD N.A. 0.70% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

EVB is an FDIC insured institution located in Tappahannock, VA. It was founded in 1910 and has approximately $1.45 billion in assets.

FDIC Insured Yes
FDIC Certificate # 11584
Date Established 1910
Assets $ 1,445.92 million
Loans $ 1,060.50 million
Deposits $ 1,156.07 million
Capital $ 150.84 million

For a more detailed analysis of EVB's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - June 13, 2021

Your Current Location: California, CA 92111


Loan Rates - June 13, 2021

Your Current Location: California, CA 92111

There are currently no loan rates available for EVB

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - California 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
3.339% 3.250%
0.63 points
$2,812 fees
$1,089 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.368% 3.250%
1.00 points
$3,750 fees
$1,089 Learn More
CIT Bank
NMLS ID: 541760
2.945% 2.875%
0.88 points
$2,268 fees
$1,038 Learn More

Featured - California Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR 1.990 %
After Intro: 4.840 %
Intro Period: 12 months
$0 Learn More
More Info

Note to EVB
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EVB branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
San Diego,California

Financial Details

EVB Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of EVB. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
EVB U.S. Bank Average
5.26% 5.49%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2020, EVB had $6,878,000 in non-current loans and $1,631,000 in owned real estate. To cover these potential losses it had $150,838,000 in equity and $10,952,000 in loans loss reserves. That gives it a Texas Ratio of 5.26%.

Return on Equity
EVB U.S. Bank Average
7.28% 9.24%

EVB has a Return on Equity of 7.28% versus the BestCashCow average of 9.24%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

EVB U.S. Bank Average
10.43% 11.96%

EVB has a Capitalization of 10.43% versus the BestCashCow average of 11.96. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

EVB Balance Sheet Analysis

As of March 31, 2017, EVB had assets of $1,445,922,000, loans of $1,060,504,000, and deposits of $1,156,068,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2020
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 1,060.50 million
Loan loss allowance $ 10.95 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 1.63 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 1,156.07 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 1,445.92 million

Summary Income Statement

December 31, 2020
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in EVB’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in Virginia, EVB has a significantly higher percent of Construction and Development Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 31.77
Credit Card Loans 0.00
Consumer Auto Loans 0.15
Small Business Loans 12.85
Construction and Development Loans 11.61
Commercial Real Estate 34.23
Commercial and Industrial Loans 13.11
Farm Loans 1.07

Frequently Asked Questions About Evb

Branches and Savings

Is Evb FDIC insured?

Yes. It is covered under FDIC Certificate #11584.

Why does Evb pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Evb CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Evb a commercial bank?


Where are Evb locations?

See branch locations nearby.

Is Evb open on Saturdays?

Is Evb open on Sundays?

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What time does Evb close?

Are Evb ATMs Open 24/7?

Do Evb ATMs accept cash deposits?

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Do Evb branches have notaries?

Will Evb notarize my document?

What address for Evb should I put for incoming ACH transfers?

Will the Evb branch print checks?

Do Evb checks expire?

Does Evb require US citizenship to open account?

Can Evb close my account?

Does Evb Report to credit bureaus?

Does Evb Use Equifax?

What is Evb's ACH Routing Number?

What is Evb's SWIFT code?


Does Evb offer mortgages?

Compare mortgage rates here.

Does Evb offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Evb offer personal loans?

Compare personal loan rates here.

Does Evb offer student loans?

Will Evb cash a check?

Will Evb redeem a savings bond?

Does Evb cash savings bonds?

Will Evb cash money orders?

Can Evb issue a money order?

Does Evb do currency exchange?

Background on The Bank

Who owns Evb?

How long has Evb been around?

Can Evb transfer to other banks?

Does Evb have quick pay?

Does Evb accept rolled coins?

Will Evb accept loose change?

Where is Evb headquarters?

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