BlastPoint's Banking Scorecard
Evergreen National Bank
Evergreen, CO
3 branches across CO
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 49 in CO.
- Deposits +3.9% year over year ($122.0M on the books).
- Delinquency rate 0.10%.
- Return on assets 1.09%.
- Efficiency ratio 71.45% vs a 64.48% peer average.
- Loan-to-deposit ratio 81.10% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Evergreen National Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 3.2% in tier
- + Delinquency Rate 0.82% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.23% below tier average
- - Efficiency Ratio 6.97% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$139.9M
+4.9% YoY
+6.7% QoQ
|
-$246.6M |
$386.6M
+1.2% YoY
|
$898.3M
+8.6% YoY
|
$6.3B
+7.7% YoY
|
Bottom 11.3% in tier |
| Total Loans ? |
$98.9M
+9.9% YoY
+2.3% QoQ
|
-$159.4M |
$258.3M
+1.7% YoY
|
$631.7M
+11.0% YoY
|
$3.2B
+9.4% YoY
|
19% |
| Total Deposits ? |
$122.0M
+3.9% YoY
+7.3% QoQ
|
-$204.7M |
$326.7M
+0.7% YoY
|
$762.3M
+8.8% YoY
|
$4.9B
+7.3% YoY
|
Bottom 12.7% in tier |
| Return on Assets ? |
1.09%
-2.7% YoY
+15.7% QoQ
|
-0.23% |
1.32%
+10.8% YoY
|
0.96%
+10.1% YoY
|
1.30%
+12.1% YoY
|
40% |
| Net Interest Margin ? |
5.76%
+12.0% YoY
-0.0% QoQ
|
+1.77% |
3.99%
+5.0% YoY
|
4.06%
+4.0% YoY
|
3.95%
+4.9% YoY
|
Top 1.9% in tier |
| Efficiency Ratio ? |
71.45%
-1.3% YoY
+0.3% QoQ
|
+6.97% |
64.48%
-3.2% YoY
|
73.51%
-1.0% YoY
|
70.05%
+2.5% YoY
|
27% |
| Delinquency Rate ? |
0.10%
-30.3% YoY
-67.1% QoQ
|
-0.82% |
0.92%
+15.7% YoY
|
0.85%
+17.5% YoY
|
0.98%
+16.3% YoY
|
75% |
| Loan-to-Deposit Ratio ? |
81.10%
+5.9% YoY
-4.7% QoQ
|
+3.15% |
77.95%
+1.0% YoY
|
78.96%
+0.3% YoY
|
79.03%
+2.3% YoY
|
47% |
| Non-Interest-Bearing Deposit Share ? |
54.94%
-6.0% YoY
-6.8% QoQ
|
+32.90% |
22.03%
-0.6% YoY
|
23.50%
-1.8% YoY
|
21.98%
-0.6% YoY
|
Top 1.1% in tier |
| Nonperforming Asset Ratio ? |
0.07%
-26.9% YoY
-68.4% QoQ
|
-0.60% |
0.67%
+16.4% YoY
|
0.49%
-10.9% YoY
|
0.69%
+15.8% YoY
|
76% |
| Tier 1 Capital Ratio ? |
13.54%
-24.6% YoY
+1.9% QoQ
|
-2.36% |
15.91%
+1.4% YoY
|
19.30%
-20.6% YoY
|
17.09%
+0.8% YoY
|
53% |
| Non-Interest Income / Assets ? |
0.21%
-12.5% YoY
+100.8% QoQ
|
-0.35% |
0.57%
+7.6% YoY
|
0.55%
+12.7% YoY
|
0.66%
+5.2% YoY
|
54% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
54.9%
-3.5pp YoY -4.0pp QoQ |
+32.8pp | 22.1% | 23.5% | 22.2% | 99% |
| Brokered Deposits | n/a | n/a | 7.9% | 7.4% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
2.5%
-1.4pp YoY +0.3pp QoQ |
-9.1pp | 11.6% | 8.4% | 12.5% | 8% |
| CRE |
59.0%
-1.1pp YoY -0.2pp QoQ |
+19.4pp | 39.5% | 42.8% | 41.4% | 83% |
| 1-4 Family |
39.2%
+2.5pp YoY -0.2pp QoQ |
+6.6pp | 32.6% | 33.0% | 31.3% | 69% |
| Consumer |
0.4%
0.0pp YoY 0.0pp QoQ |
-3.7pp | 4.1% | 3.9% | 5.0% | 14% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 24.9% | 19.7% | n/a |
| Leverage Ratio |
13.5%
+1.0pp YoY +0.2pp QoQ |
+1.4pp | 12.2% | 12.5% | 12.6% | 79% |
| Total Capital Ratio | n/a | n/a | 19.9% | 26.1% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
34
0 YoY +4 (+13.3%) QoQ |
-25 | 58 | 107 | 482 | 33% |
| Assets per Employee ($) |
$4.1M
+4.9% YoY -5.8% QoQ |
-$3.4M | $7.5M | $7.8M | $8.8M | 5% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 7 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.7% | 0.4% | n/a |
| Nonaccrual | 0.1% | -0.8pp | 0.9% | 0.8% | 1.0% | 18% |
| Allowance Coverage |
11.79x
+42.9% YoY +196.8% QoQ |
-12.36x | 24.15x | 12.16x | 20.23x | 84% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 40% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.7%
-1.5pp YoY +1.2pp QoQ |
-3.5pp | 12.2% | 9.7% | 11.6% | 29% |
| Cost of Funds (YTD) |
0.5%
-0.1pp YoY 0.0pp QoQ |
-1.3pp | 1.7% | 1.7% | 1.7% | 2% |
| Net Income ($, YTD) |
$741,000
-3.1% YoY — QoQ |
-$1.8M | $2.6M | $5.4M | $40.4M | 18% |
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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 (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.