| Metric | Evergreen Federal Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.3% | +4.9% | -5.2 pts |
| Deposit growth (YoY) | -1.3% | +4.3% | -5.6 pts |
| Loan growth (YoY) | +1.3% | +5.3% | -4.1 pts |
| ROA | 0.81% | 1.28% | -0.5 pts |
| ROE | 6.2% | 12.4% | -6.2 pts |
ROA ranks in the 19th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $621.6M | $536.6M | $485.3M | $82.1M | $2.5M | 0.81% | 3.93% | 0.53% |
| Q1 2026 | $628.1M | $545.0M | $477.6M | $80.8M | $1.2M | 0.79% | 3.84% | 0.58% |
| Q4 2025 | $617.2M | $535.1M | $477.4M | $79.3M | $3.7M | 0.59% | 3.56% | 0.68% |
| Q3 2025 | $628.3M | $547.0M | $478.5M | $78.1M | $2.7M | 0.58% | 3.52% | 0.62% |
| Q2 2025 | $623.5M | $543.7M | $479.2M | $76.9M | $1.8M | 0.57% | 3.50% | 0.71% |
| Q1 2025 | $612.1M | $534.0M | $480.2M | $75.6M | $836K | 0.55% | 3.49% | 0.58% |
| Q4 2024 | $611.9M | $512.1M | $485.2M | $74.1M | $2.3M | 0.38% | 3.33% | 0.58% |
| Q3 2024 | $611.5M | $514.5M | $482.0M | $74.1M | $1.8M | 0.40% | 3.31% | 0.44% |
Loan mix (Q2 2026): real estate $489.3M · commercial $1.8M · consumer $1.1M · securities $39.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Evergreen Federal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.81% | 1.28% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 6.2% | 12.4% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.93% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.2% | 61.2% | 65th |
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 | Evergreen Federal Bank | 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 | Evergreen Federal Bank | 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 | Evergreen Federal Bank | 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 | Evergreen Federal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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