BlastPoint's Banking Scorecard

Evergreen National Bank

$100M-$1B Specialty: Commercial CO FDIC cert 23404

Evergreen, CO

3 branches across CO

2664 banks in the $100M-$1B peer group nationally 49 in CO

Evergreen National Bank has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Deposit Franchise: Top 3.3% in tier
+ Delinquency Rate 0.60% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 0.4% in tier
- Capital Constraint: Bottom 2.8% in tier
- Margin Compression: Bottom 11.8% in tier
- Efficiency Ratio 5.96% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Total Assets ?	$131.1M -4.4% YoY -3.0% QoQ	-$255.0M	$386.1M +0.5% YoY	$1.3B +9.7% YoY	$6.2B +9.1% YoY	Bottom 8.8% in tier
Total Loans ?	$96.7M +8.9% YoY +0.8% QoQ	-$159.0M	$255.7M +1.1% YoY	$851.2M +6.5% YoY	$3.2B +10.8% YoY	19%
Total Deposits ?	$113.7M -6.6% YoY -3.8% QoQ	-$214.3M	$328.0M +0.1% YoY	$1.1B +5.2% YoY	$4.8B +8.2% YoY	Bottom 9.9% in tier
Return on Assets ?	0.95% -12.1% YoY -15.6% QoQ	-0.32%	1.27% +12.9% YoY	0.93% +11.9% YoY	1.23% +13.4% YoY	34%
Net Interest Margin ?	5.76% +12.9% YoY +9.2% QoQ	+1.83%	3.93% +6.0% YoY	3.99% +5.0% YoY	3.89% +5.7% YoY	Top 2.1% in tier
Efficiency Ratio ?	71.24% -2.5% YoY -0.9% QoQ	+5.96%	65.29% -4.5% YoY	74.00% -3.2% YoY	66.95% -4.1% YoY	30%
Delinquency Rate ?	0.29% -10.1% YoY -67.8% QoQ	-0.60%	0.89% +18.8% YoY	0.67% -8.3% YoY	0.95% +18.8% YoY	57%
Loan-to-Deposit Ratio ?	85.11% +16.6% YoY +4.8% QoQ	+8.47%	76.64% +0.8% YoY	78.09% +0.7% YoY	76.70% +0.9% YoY	34%
Non-Interest-Bearing Deposit Share ?	58.96% -11.2% YoY -4.3% QoQ	+36.94%	22.02% -1.0% YoY	23.93% -3.2% YoY	22.01% -1.2% YoY	Top 0.7% in tier
Nonperforming Asset Ratio ?	0.22% +2.5% YoY -66.6% QoQ	-0.42%	0.64% +19.7% YoY	0.50% -1.2% YoY	0.67% +19.3% YoY	58%
Tier 1 Capital Ratio ?	13.30% +10.1% YoY +3.2% QoQ	-2.53%	15.83% +1.5% YoY	21.66% +2.9% YoY	17.06% +0.8% YoY	50%
Non-Interest Income / Assets ?	0.11% -6.7% YoY -77.9% QoQ	-0.17%	0.28% +9.3% YoY	0.26% +10.8% YoY	0.32% +4.1% YoY	56%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Deposit Franchise

growth

#10 of 272 • Top 3.3% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 58.96%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 5.76%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank improving

Concerns (3)

Deposit Outflow

decline

#3 of 506 • Bottom 0.4% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank improving

Capital Constraint

risk

#4 of 108 • Bottom 2.8% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 85.11%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 13.30%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

108 of 108 Community banks match · 148 nationally

↑ Growing +19 banks QoQ

Margin Compression

decline

#37 of 305 • Bottom 11.8% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 0.95%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (2 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 58.96%

Peer Median: 22.02%

#19 of 2664 Top 0.7% in $100M-$1B

Net Interest Margin

profitability

Value: 5.76%

Peer Median: 3.93%

#57 of 2664 Top 2.1% in $100M-$1B

Top Weaknesses (3 metrics)

2430

Total Assets

size

Value: $131.11M

Peer Median: $386.08M

#2430 of 2664 Bottom 8.8% in $100M-$1B

2401

Total Deposits

size

Value: $113.67M

Peer Median: $327.97M

#2401 of 2664 Bottom 9.9% in $100M-$1B

2167

Total Loans

size

Value: $96.75M

Peer Median: $255.72M

#2167 of 2664 Bottom 18.7% in $100M-$1B