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Evergreen Federal Bank

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

Designations: ✓ Mutual

Grants Pass, OR

6 branches across OR

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 11 in OR.
  • Deposits -1.3% year over year ($536.6M on the books).
  • Delinquency rate 0.64%.
  • Return on assets 0.81%.
  • Efficiency ratio 66.15% vs a 64.48% peer average.
  • Loan-to-deposit ratio 90.44% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 11 in OR
View $100M-$1B leaderboard (OR) →

Evergreen Federal Bank has 1 strength but faces 5 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 0.28% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 8.0% in tier
  • - Flatlined Growth: Bottom 18.7% in tier
  • - ROA 0.51% below tier average
  • - Net Interest Margin 0.06% below tier average
  • - Efficiency Ratio 1.67% above tier average
Get updates when Evergreen Federal Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OR) National Avg Tier Percentile
Total Assets ? $621.6M
-0.3% YoY -1.0% QoQ
+$235.0M $386.6M
+1.2% YoY
$5.7B
+22.7% YoY
$6.3B
+7.7% YoY
82%
Total Loans ? $485.3M
+1.3% YoY +1.6% QoQ
+$227.0M $258.3M
+1.7% YoY
$4.0B
+22.6% YoY
$3.2B
+9.4% YoY
Top 12.9% in tier
Total Deposits ? $536.6M
-1.3% YoY -1.5% QoQ
+$209.9M $326.7M
+0.7% YoY
$4.6B
+21.5% YoY
$4.9B
+7.3% YoY
83%
Return on Assets ? 0.81%
+41.2% YoY +3.1% QoQ
-0.51% 1.32%
+10.8% YoY
1.08%
+20.6% YoY
1.30%
+12.1% YoY
24%
Net Interest Margin ? 3.93%
+12.4% YoY +2.3% QoQ
-0.06% 3.99%
+5.0% YoY
4.07%
+6.4% YoY
3.95%
+4.9% YoY
50%
Efficiency Ratio ? 66.15%
-12.8% YoY +0.6% QoQ
+1.67% 64.48%
-3.2% YoY
67.33%
-5.7% YoY
70.05%
+2.5% YoY
39%
Delinquency Rate ? 0.64%
-30.7% YoY -11.1% QoQ
-0.28% 0.92%
+15.7% YoY
0.89%
+33.0% YoY
0.98%
+16.3% YoY
40%
Loan-to-Deposit Ratio ? 90.44%
+2.6% YoY +3.2% QoQ
+12.49% 77.95%
+1.0% YoY
79.79%
+0.1% YoY
79.03%
+2.3% YoY
25%
Non-Interest-Bearing Deposit Share ? 10.38%
+9.4% YoY -3.6% QoQ
-11.65% 22.03%
-0.6% YoY
23.65%
+0.1% YoY
21.98%
-0.6% YoY
Bottom 11.4% in tier
Nonperforming Asset Ratio ? 0.53%
-25.0% YoY -8.1% QoQ
-0.14% 0.67%
+16.4% YoY
0.61%
+33.6% YoY
0.69%
+15.8% YoY
38%
Tier 1 Capital Ratio ? 13.24%
+4.7% YoY +1.4% QoQ
-2.67% 15.91%
+1.4% YoY
15.47%
+2.0% YoY
17.09%
+0.8% YoY
50%
Non-Interest Income / Assets ? 0.20%
+57.6% YoY +50.6% QoQ
-0.37% 0.57%
+7.6% YoY
0.29%
-8.1% YoY
0.66%
+5.2% YoY
49%

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 (OR) National Avg Tier Percentile
Noninterest-Bearing 10.4%
+0.9pp YoY
-0.4pp QoQ
 -11.8pp 22.1% 23.6% 22.2% 11%
Brokered Deposits n/a n/a 7.9% 2.9% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OR) National Avg Tier Percentile
C&I 0.4%
-0.1pp YoY
0.0pp QoQ
 -11.2pp 11.6% 11.0% 12.5% 2%
CRE 58.1%
-0.3pp YoY
-0.5pp QoQ
 +18.6pp 39.5% 62.1% 41.4% 82%
1-4 Family 42.7%
+0.4pp YoY
+0.5pp QoQ
 +10.0pp 32.6% 17.1% 31.3% 74%
Consumer 0.2%
0.0pp YoY
0.0pp QoQ
 -3.9pp 4.1% 1.0% 5.0% 9%

Capital

Metric Current vs Tier Tier Avg State Avg (OR) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 18.9% 19.7% n/a
Leverage Ratio 13.2%
+0.6pp YoY
+0.2pp QoQ
 +1.1pp 12.2% 12.5% 12.6% 77%
Total Capital Ratio n/a n/a 19.9% 20.0% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OR) National Avg Tier Percentile
Full-Time Employees 92
+5 (+5.7%) YoY
+5 (+5.7%) QoQ
 +33 58 526 482 83%
Assets per Employee ($) $6.8M
-5.7% YoY
-6.4% QoQ
 -$762K $7.5M $7.4M $8.8M 48%
Branch Count 6
0 YoY
0 QoQ
 +1 4 35 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OR) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.1% 0.4% n/a
Nonaccrual 0.6%
-0.3pp YoY
-0.1pp QoQ
 -0.3pp 0.9% 0.9% 1.0% 59%
Allowance Coverage 2.23x
+51.0% YoY
+12.7% QoQ
 -21.92x 24.15x 7.38x 20.23x 51%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
-0.1pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 68%

Profitability

Metric Current vs Tier Tier Avg State Avg (OR) National Avg Tier Percentile
ROE 6.2%
+1.6pp YoY
+0.1pp QoQ
 -6.0pp 12.2% 9.1% 11.6% 18%
Cost of Funds (YTD) 1.2%
-0.2pp YoY
0.0pp QoQ
 -0.6pp 1.7% 1.3% 1.7% 17%
Net Income ($, YTD) $2.5M
+42.7% YoY
— QoQ
 -$36K $2.6M $35.5M $40.4M 62%

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 (2)

Liquidity Strain

risk
#56 of 691 • Bottom 8.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 90.44%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ

Flatlined Growth

risk
#100 of 529 • Bottom 18.7% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.81%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

342
Total Loans
size
Value: $485.34M
Peer Median: $258.35M
#342 of 2643 Top 12.9% in $100M-$1B
451
Total Deposits
size
Value: $536.63M
Peer Median: $326.73M
#451 of 2643 Top 17.0% in $100M-$1B
477
Total Assets
size
Value: $621.55M
Peer Median: $386.57M
#477 of 2643 Top 18.0% in $100M-$1B

Top Weaknesses (2 metrics)

2344
Non-Interest-Bearing Deposit Share
funding
Value: 10.38%
Peer Median: 22.03%
#2344 of 2643 Bottom 11.4% in $100M-$1B
2017
Return on Assets
profitability
Value: 0.81%
Peer Median: 1.32%
#2017 of 2643 Bottom 23.7% in $100M-$1B
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