BlastPoint's Banking Scorecard

Evergreen Federal Bank

$100M-$1B Specialty: Commercial OR FDIC cert 28914

Designations: ✓ Mutual

Grants Pass, OR

6 branches across OR

2664 banks in the $100M-$1B peer group nationally 11 in OR

Evergreen Federal Bank has 1 strength but faces 3 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

+ Delinquency Rate 0.17% below tier average

Key Concerns

Areas that may need attention

- ROA 0.48% below tier average
- Net Interest Margin 0.09% below tier average
- Efficiency Ratio 0.48% above tier average

Get updates when Evergreen Federal Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OR)	National Avg	Tier Percentile
Total Assets ?	$628.1M +2.6% YoY +1.8% QoQ	+$242.0M	$386.1M +0.5% YoY	$5.7B +33.4% YoY	$6.2B +9.1% YoY	83%
Total Loans ?	$477.6M -0.5% YoY +0.0% QoQ	+$221.8M	$255.7M +1.1% YoY	$4.1B +32.8% YoY	$3.2B +10.8% YoY	Top 13.0% in tier
Total Deposits ?	$545.0M +2.1% YoY +1.9% QoQ	+$217.0M	$328.0M +0.1% YoY	$4.7B +32.1% YoY	$4.8B +8.2% YoY	83%
Return on Assets ?	0.78% +43.7% YoY +32.5% QoQ	-0.48%	1.27% +12.9% YoY	1.04% +38.9% YoY	1.23% +13.4% YoY	25%
Net Interest Margin ?	3.84% +10.2% YoY +7.8% QoQ	-0.09%	3.93% +6.0% YoY	4.00% +9.5% YoY	3.89% +5.7% YoY	49%
Efficiency Ratio ?	65.77% -14.5% YoY -13.0% QoQ	+0.48%	65.29% -4.5% YoY	68.69% -8.8% YoY	66.95% -4.1% YoY	43%
Delinquency Rate ?	0.72% -2.0% YoY -18.0% QoQ	-0.17%	0.89% +18.8% YoY	0.86% +80.8% YoY	0.95% +18.8% YoY	36%
Loan-to-Deposit Ratio ?	87.63% -2.6% YoY -1.8% QoQ	+10.99%	76.64% +0.8% YoY	77.62% +0.2% YoY	76.70% +0.9% YoY	29%
Non-Interest-Bearing Deposit Share ?	10.76% +8.2% YoY +24.3% QoQ	-11.26%	22.02% -1.0% YoY	23.66% -0.4% YoY	22.01% -1.2% YoY	Bottom 12.1% in tier
Nonperforming Asset Ratio ?	0.58% +0.6% YoY -14.6% QoQ	-0.06%	0.64% +19.7% YoY	0.62% +95.5% YoY	0.67% +19.3% YoY	34%
Tier 1 Capital Ratio ?	13.06% +2.4% YoY +1.9% QoQ	-2.77%	15.83% +1.5% YoY	15.70% +2.5% YoY	17.06% +0.8% YoY	48%
Non-Interest Income / Assets ?	0.13% +112.5% YoY -48.2% QoQ	-0.15%	0.28% +9.3% YoY	0.15% -3.7% YoY	0.32% +4.1% YoY	68%

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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 (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

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 (3 metrics)

348

Total Loans

size

Value: $477.55M

Peer Median: $255.72M

#348 of 2664 Top 13.0% in $100M-$1B

445

Total Deposits

size

Value: $544.96M

Peer Median: $327.97M

#445 of 2664 Top 16.7% in $100M-$1B

465

Total Assets

size

Value: $628.11M

Peer Median: $386.08M

#465 of 2664 Top 17.4% in $100M-$1B

Top Weaknesses (1 metrics)

2342

Non-Interest-Bearing Deposit Share

funding

Value: 10.76%

Peer Median: 22.02%

#2342 of 2664 Bottom 12.1% in $100M-$1B