Bank of Evergreen
Total assets
$78.1M
▲ +4.1% YoY
Deposits
$68.6M
▲ +2.5% YoY
Loans
$30.9M
▼ -3.4% YoY
Offices
1
ROA (annualized)
0.67%
peers 0.99%
ROE (annualized)
5.76%
peers 8.07%
Peer comparison 537 banks with <100M in assets
| Metric | Bank of Evergreen | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.1% | +3.0% | +1.1 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
Profile
- Established
- 1932
- Charter
- State
- Primary regulator
- FDIC
- Specialization
- All Other Under 1 Billion
- Address
- 146 W Front St, Evergreen, AL, 36401
- County
- Conecuh
- Offices
- 1
- FDIC cert #
- 49
- RSSD ID
- 560438
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| 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
Ratio pack Q2 2026 · peer medians from 537 institutions
Profitability
| 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% | 25th | |
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% |
Balance sheet
| 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| 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% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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