D. L. Evans Bank

What D. L. Evans Bank does

D.L. Evans Bank is a privately held community bank founded in 1904 and headquartered in Burley, Idaho, operating 30+ branch locations across Idaho and Utah. The bank serves four primary customer segments: individual consumers, small-to-medium businesses, agricultural operations, and specialized verticals including medical professionals and non-profits. Its product portfolio spans personal and business checking and savings accounts (Free Community Checking, Secure, Interest, Premier Plus, Money Market, CDs, IRAs, HSAs, UTMA), a full lending suite (personal loans, commercial loans, SBA loans, agricultural land/equipment/livestock loans, FHA/VA/USDA mortgages, conventional and portfolio loans), and Visa debit/credit cards including a custom-design offering (MyCardCreation).

The bank's technology platform consists of consumer-facing Online Banking and a Mobile Banking app (Mobiliti) supporting iOS 16+ and Android 11.0+, with mobile deposit, My Cards card controls, SecureAlerts, Credit Sense credit monitoring (via TransUnion's VantageScore 3.0), and bill pay. It integrates with Zelle (P2P), Apple Pay, Google Pay, Samsung Pay, MoneyPass ATM network, and offers Video Banking for remote transactions. The bank holds SBA Preferred Lender status, is an approved lender with FHA, VA, USDA Rural Development, IHFA, Fannie Mae, and Freddie Mac, and operates a dedicated SBA department — a meaningful regulatory moat for SBA-loan-dependent rural markets. It does not offer a public-facing API or developer platform.

Revenue is generated primarily through net interest income on loans across consumer, commercial, agricultural, and mortgage categories, supplemented by deposit account service charges (e.g., $3-$15 monthly fees below minimum balances), card interchange and replacement fees, investment services revenue, and Premier Club membership fees ($10/month for those not meeting qualifying balance thresholds). The Premier Club — a registered-trademark membership for customers age 50+ with 3,800+ members and an accompanying travel program — functions as a high-engagement retention channel. Go-to-market is community-led with regional teams in Treasure Valley, Wood River, Magic Valley, Eastern Idaho, Mini Cassia, Western Idaho, and Utah, supported by a dedicated mortgage loan officer model and SBA department structure.

Name

D. L. Evans Bank

Legal name

D.L. Evans Bank

Website

https://dlevans.com

Company type

Private

Founded year

1904

Operating status

Operating

Headcount range

251–500 employees

Short description

D.L. Evans Bank is a privately held community bank founded in 1904, operating 30+ branches across Idaho and Utah to serve consumers, small-to-medium businesses, agricultural operations, and specialized verticals with deposit products, lending, and digital banking services.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC), SBA/Government-Backed & Development Finance Loans (FSAKAGAI), Account & Balance Services (Operating accounts, statements, eBAM) (FSABAIAD)

Keywords

• Community banking services
• Agricultural lending
• SBA loan programs
• Mortgage loan origination
• Small business banking

Headquarters

HQ city

Burley

HQ country

United States

HQ region

North America

Offices29 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Interest Income from Loans: Primary revenue from interest earned on personal loans (vehicle, home equity, construction), business loans (commercial, SBA), agricultural loans (land, equipment, livestock, FSA), and mortgage financing
2. Deposit Account Fees: Monthly service charges on accounts that don't meet minimum balance requirements (e.g., $3 for Community Savings below $100, $10 for Money Market below $2,500)
3. Certificate of Deposit Interest: CD products for personal and business customers with tiered terms from 7 days to 5 years
4. Card Services Revenue: Interchange revenue from Visa debit and credit cards, replacement card fees ($10 for MyCardCreation after 3+ replacements in 12 months, $5 standard replacement)
5. Investment Services: Investment account access and planning services with dedicated investment team
6. Premier Club Membership: Club for customers 50+ with $10 monthly fee waived for qualifying balances ($1,000+ checking/savings or $10,000+ CD/investment)

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels5 records

Core offering

D.L. Evans Bank is a community bank that accepts deposits and originates loans for individuals, small and medium businesses, agricultural operations, medical professionals, and non-profit organizations across Idaho and Utah. It sells checking, savings, money market, certificate of deposit, IRA, HSA, Visa debit, and Visa credit card products, and originates personal, business, SBA, agricultural, and mortgage loans. Banking services are delivered through 30+ branches, online banking, mobile banking, video banking, and a surcharge-free MoneyPass ATM network.

Product overview

D.L. Evans Bank is a community bank serving Idaho and Utah since 1904, offering a comprehensive suite of consumer and business banking products. The bank's portfolio includes multiple personal checking accounts (Free Community, Secure, Interest, Premier, Premier Plus, Idaho Medical, Student), personal savings products (Community Savings, Money Market, CDs, IRAs, HSAs, Student Savings, UTMA), business banking (checking, savings, money market, CDs), and diverse loan products (personal, business, agricultural, mortgage). The bank provides digital banking through Online Banking and Mobile Banking platforms with features including Zelle transfers, My Cards controls, SecureAlerts, Credit Sense credit monitoring, and Video Banking. Card products include Visa debit and credit cards with MyCardCreation customization and digital wallet support (Apple Pay, Google Pay, Samsung Pay). The Premier Club offers travel and social programs for customers age 50+. All services are delivered through consumer-facing platforms with no public API available.

Differentiator

Problem solved

Functional benefit

Brands

• MyCardCreation: Custom debit card design service allowing customers to personalize their Visa debit cards with photos.
• Premier Club

Products and services

• Personal Checking Accounts

Quantifiable outcome

• Over 120 years of continuous community banking service since 1904
• +3 more outcomes

Named customers1 record

Segments6 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Feature7 records

Partnerships

15 partnerships are on record, tiered core and flagship.

• VisacoreTechnology or IntegrationVisa provides the payment network infrastructure for D.L. Evans Bank's debit and credit card products including Visa Debit Cards, Visa Business Debit Cards, Visa Credit Cards (Low-Rate, Rewards, and Signature Rewards), and maintains the Zero Liability Policy protecting customers from unauthorized transactions
• Early Warning Services (Zelle)coreTechnology or IntegrationD.L. Evans Bank offers Zelle P2P payment service integrated into online and mobile banking for fast money transfers between bank accounts. Zelle is owned by Early Warning Services, LLC with availability at over 2,300 financial institutions
• MoneyPasscoreChannel Partner/ Reseller/ DistributorSurcharge-free ATM network partnership allowing D.L. Evans Bank customers to withdraw cash from MoneyPass ATMs nationwide without additional fees
• U.S. Small Business Administration (SBA)flagshipStrategic or Co-development PartnerSBA Preferred Lender status enabling D.L. Evans Bank to process and approve SBA loans directly. Offers SBA Express Term Loans up to $500,000, SBA 7(a) loans up to $5 million, SBA 504 loans up to $5.5 million, SBA Veterans Advantage, and SBA MARC programs for manufacturing businesses
• USDA Rural DevelopmentcoreStrategic or Co-development PartnerOffers 100% financing for home purchases in designated rural communities through USDA Rural Development loan program with no down payment required
• Federal Housing Administration (FHA)coreStrategic or Co-development PartnerApproved FHA lender offering flexible borrowing requirements with 3.5% down payment for purchase loans and refinance options
• Veterans Administration (VA)coreStrategic or Co-development PartnerOffers 100% financing for eligible Veterans and military personnel with flexible income and credit requirements and no monthly mortgage insurance
• Idaho Housing and Finance Association (IHFA)coreStrategic or Co-development PartnerApproved IHFA lender offering low down payment mortgage loans and down payment assistance programs for eligible Idaho buyers meeting income guidelines
• Fannie Mae and Freddie MaccoreTechnology or IntegrationConventional conforming loans follow rules set by Fannie Mae and Freddie Mac with maximum loan amount of $832,750 for single-family residences
• Certified Development Companies (CDC)coreStrategic or Co-development PartnerPartnership with CDCs to deliver SBA 504 loans where the bank finances 50%, CDC finances 40%, and borrower provides 10% for commercial real estate and equipment purchases
• Apple PaycoreTechnology or IntegrationDigital wallet integration allowing customers to pay with iPhone and Apple Watch using stored Visa debit and credit cards with Touch ID authentication
• Samsung PaycoreTechnology or IntegrationDigital wallet integration for Samsung Galaxy devices with fingerprint authentication, payment tokenization, and Samsung Knox security technology
• Google PaycoreTechnology or IntegrationDigital wallet integration for Android devices enabling contactless payments and online checkout with stored Visa debit cards
• CDARS NetworkcoreTechnology or IntegrationCertificate of Deposit Account Registry Service allowing multi-million dollar FDIC insurance coverage by placing deposits across multiple network banks in amounts under $250,000 each
• TransUnioncoreTechnology or IntegrationCredit bureau partnership for Credit Sense service providing VantageScore 3.0 credit monitoring, fraud alerts, and identity theft protection through online banking

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• U.S. Bancorp: Major national bank with deep roots in Idaho and the broader Pacific Northwest. Competes directly with D.L. Evans on consumer deposits, small business banking, and SBA lending in the same Idaho markets.
• Wells Fargo: Large national bank with significant branch presence across Idaho and Utah, competing with D.L. Evans on consumer deposits, mortgages, small business lending, and agricultural finance in the bank's primary markets.
• Zions Bancorporation: Large regional bank holding company with significant operations in Idaho and Utah (including Zions Bank brand), offering a broader commercial and consumer banking portfolio. Overlaps with D.L. Evans on community banking and SBA lending in the same geography.
• Capital One: National bank with growing presence in retail banking and consumer deposits across the U.S. Competes with D.L. Evans on consumer credit cards (Visa credit card products), deposit gathering, and digital banking capabilities.

Direct peers

• Glacier Bancorp: Regional community bank holding company operating across Montana, Idaho, Wyoming, Colorado, Utah, Arizona, Nevada, and Washington with a similar community banking model, local decision-making, and emphasis on relationship banking in the same geographic footprint as D.L. Evans.
• First Interstate BancSystem: Community-focused regional bank holding company headquartered in Montana with strong Idaho and Wyoming presence, operating a comparable relationship-based model with similar commercial, agricultural, and consumer banking products targeting small businesses and rural customers.
• WaFd Bank (Washington Federal): PNW-focused community bank with branch presence in Idaho and Utah offering consumer and business banking, mortgage lending, and similar community banking ethos. Comparable scale and operating model to D.L. Evans.
• Banner Bank: Pacific Northwest community bank with branches in Idaho, Washington, and Oregon offering consumer, business, and agricultural banking with a similar relationship-driven approach and SBA lending expertise.
• Idaho Trust Bank: Idaho-headquartered community bank offering personal and business banking, wealth management, and trust services with similar community-focused relationship model in overlapping Idaho markets.
• Farm Credit Services: Network of agricultural lending cooperatives operating across rural America including Idaho and Utah, competing directly with D.L. Evans on farm and ranch lending, equipment financing, and agricultural operating credit.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks4 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCR18aJJXxTstQPcjOUUEDiw
• Facebookfacebook.com/dlevansbank
• LinkedInlinkedin.com/company/d.-l.-evans-bank
• Instagraminstagram.com/dlevansbank

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about D. L. Evans Bank