| Metric | Bank of Evergreen | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.1% | +3.0% | +1.2 pts |
| Deposit growth (YoY) | +2.5% | +2.5% | +0.0 pts |
| Loan growth (YoY) | -3.4% | +2.6% | -6.0 pts |
| ROA | 0.67% | 0.99% | -0.3 pts |
| ROE | 5.8% | 8.1% | -2.3 pts |
ROA ranks in the 34th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $78.1M | $68.6M | $30.9M | $9.1M | $259K | 0.67% | 3.37% | 0.24% |
| Q1 2026 | $76.2M | $67.0M | $30.4M | $8.9M | $101K | 0.53% | 3.28% | 0.25% |
| Q4 2025 | $77.3M | $68.0M | $31.2M | $9.0M | $562K | 0.74% | 3.25% | 0.24% |
| Q3 2025 | $76.4M | $67.4M | $32.0M | $8.5M | $374K | 0.65% | 3.28% | 0.00% |
| Q2 2025 | $75.0M | $66.9M | $32.0M | $7.7M | $222K | 0.58% | 3.24% | 0.01% |
| Q1 2025 | $76.0M | $67.2M | $30.4M | $7.6M | $129K | 0.67% | 3.24% | 0.07% |
| Q4 2024 | $77.4M | $68.4M | $30.9M | $7.2M | $368K | 0.48% | 2.91% | 0.18% |
| Q3 2024 | $79.8M | $68.8M | $30.5M | $7.7M | $222K | 0.39% | 2.83% | 0.44% |
Loan mix (Q2 2026): real estate $22.1M · commercial $7.2M · consumer $2.1M · securities $38.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of Evergreen | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.67% | 0.99% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 5.8% | 8.1% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.37% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.8% | 70.8% | 56th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Bank of Evergreen | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Bank of Evergreen | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Bank of Evergreen | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Bank of Evergreen | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Bank of Evergreen | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2025) · $68.6M branch deposits. Biggest market: Conecuh, AL, ranked 2nd with 35.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Conecuh, AL | 1 | $68.6M | 35.72% | 2nd |
Alabama: 166th with 0.04% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
Technology spend in line with peers (35 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).