BlastPoint's Banking Scorecard

Bank of Evergreen

under $100M Specialty: Other AL FDIC cert 49

Designations: ✓ Community bank

Evergreen, AL

541 banks in the under $100M peer group nationally 12 in AL

Bank of Evergreen has 2 strengths but faces 2 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

+ Efficiency Ratio 11.18% below tier average
+ Delinquency Rate 0.76% below tier average

Key Concerns

Areas that may need attention

- ROA 0.31% below tier average
- Net Interest Margin 0.58% below tier average

Get updates when Bank of Evergreen releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Total Assets ?	$76.2M +0.4% YoY -1.4% QoQ	+$14.1M	$62.2M -0.6% YoY	$2.5B +0.2% YoY	$6.2B +9.1% YoY	66%
Total Loans ?	$30.4M -0.0% YoY -2.5% QoQ	-$3.8M	$34.2M -1.4% YoY	$1.5B +2.4% YoY	$3.2B +10.8% YoY	46%
Total Deposits ?	$67.0M -0.3% YoY -1.4% QoQ	+$15.3M	$51.7M -0.7% YoY	$2.1B -0.2% YoY	$4.8B +8.2% YoY	70%
Return on Assets ?	0.53% -21.8% YoY -28.4% QoQ	-0.31%	0.84% -2.3% YoY	0.78% -19.5% YoY	1.23% +13.4% YoY	31%
Net Interest Margin ?	3.28% +1.1% YoY +0.8% QoQ	-0.58%	3.86% +2.8% YoY	3.99% +5.2% YoY	3.89% +5.7% YoY	24%
Efficiency Ratio ?	77.16% +5.5% YoY +5.0% QoQ	-11.18%	88.34% +0.3% YoY	72.13% +5.1% YoY	66.95% -4.1% YoY	40%
Delinquency Rate ?	0.61% +234.0% YoY +2.5% QoQ	-0.76%	1.37% +33.8% YoY	1.09% +24.8% YoY	0.95% +18.8% YoY	45%
Loan-to-Deposit Ratio ?	45.39% +0.3% YoY -1.0% QoQ	-18.83%	64.22% -0.7% YoY	67.08% +2.0% YoY	76.70% +0.9% YoY	75%
Non-Interest-Bearing Deposit Share ?	33.22% -0.4% YoY -1.0% QoQ	+9.51%	23.71% +0.3% YoY	23.89% +0.0% YoY	22.01% -1.2% YoY	82%
Nonperforming Asset Ratio ?	0.25% +232.8% YoY +1.4% QoQ	-0.54%	0.79% +28.2% YoY	0.71% +24.8% YoY	0.67% +19.3% YoY	50%
Tier 1 Capital Ratio ?	14.12% +3.7% YoY +1.1% QoQ	-12.56%	26.68% +2.0% YoY	16.96% +13.8% YoY	17.06% +0.8% YoY	40%
Non-Interest Income / Assets ?	0.10% +19.3% YoY -73.7% QoQ	-0.57%	0.67% +1.9% YoY	0.16% -16.3% 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 541 peers in under $100M

Top Strengths (1 metrics)

100

Non-Interest-Bearing Deposit Share

funding

Value: 33.22%

Peer Median: 23.71%

#100 of 541 Top 18.3% in under $100M

Top Weaknesses (1 metrics)

413

Net Interest Margin

profitability

Value: 3.28%

Peer Median: 3.86%

#413 of 541 Bottom 23.8% in under $100M