BlastPoint's Banking Scorecard
Bank of Evergreen
Designations: ✓ Community bank
Evergreen, AL
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 536 banks in the under $100M peer group nationwide — 1 of 12 in AL.
- Deposits +2.5% year over year ($68.6M on the books).
- Delinquency rate 0.60%.
- Return on assets 0.67%.
- Efficiency ratio 73.78% vs a 119.40% peer average.
- Loan-to-deposit ratio 45.08% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Evergreen has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 45.62% below tier average
- + Delinquency Rate 0.88% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.33% below tier average
- - Net Interest Margin 0.54% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$78.1M
+4.1% YoY
+2.4% QoQ
|
+$15.7M |
$62.4M
-0.0% YoY
|
$2.5B
+1.5% YoY
|
$6.3B
+7.7% YoY
|
67% |
| Total Loans ? |
$30.9M
-3.4% YoY
+1.6% QoQ
|
-$4.0M |
$34.9M
-0.6% YoY
|
$1.6B
+2.8% YoY
|
$3.2B
+9.4% YoY
|
46% |
| Total Deposits ? |
$68.6M
+2.5% YoY
+2.3% QoQ
|
+$16.9M |
$51.6M
-0.2% YoY
|
$2.1B
+0.3% YoY
|
$4.9B
+7.3% YoY
|
72% |
| Return on Assets ? |
0.67%
+15.0% YoY
+27.5% QoQ
|
-0.33% |
1.00%
+3.5% YoY
|
0.89%
-13.0% YoY
|
1.30%
+12.1% YoY
|
34% |
| Net Interest Margin ? |
3.37%
+4.0% YoY
+2.9% QoQ
|
-0.54% |
3.91%
+2.3% YoY
|
4.02%
+3.4% YoY
|
3.95%
+4.9% YoY
|
25% |
| Efficiency Ratio ? |
73.78%
-1.6% YoY
-4.4% QoQ
|
-45.62% |
119.40%
+49.6% YoY
|
69.53%
+4.0% YoY
|
70.05%
+2.5% YoY
|
44% |
| Delinquency Rate ? |
0.60%
-2.1% QoQ
|
-0.88% |
1.48%
+31.8% YoY
|
1.13%
+25.5% YoY
|
0.98%
+16.3% YoY
|
47% |
| Loan-to-Deposit Ratio ? |
45.08%
-5.8% YoY
-0.7% QoQ
|
-29.13% |
74.21%
+12.6% YoY
|
67.62%
+0.9% YoY
|
79.03%
+2.3% YoY
|
76% |
| Non-Interest-Bearing Deposit Share ? |
34.73%
+4.0% YoY
+4.5% QoQ
|
+11.24% |
23.49%
+0.6% YoY
|
24.04%
+0.1% YoY
|
21.98%
-0.6% YoY
|
85% |
| Nonperforming Asset Ratio ? |
0.24%
-2.9% QoQ
|
-0.60% |
0.84%
+23.0% YoY
|
0.74%
+25.2% YoY
|
0.69%
+15.8% YoY
|
52% |
| Tier 1 Capital Ratio ? |
14.25%
+3.3% YoY
+0.9% QoQ
|
-12.88% |
27.13%
+3.0% YoY
|
15.01%
+1.3% YoY
|
17.09%
+0.8% YoY
|
42% |
| Non-Interest Income / Assets ? |
0.20%
+21.0% YoY
+107.3% QoQ
|
-1.18% |
1.38%
+6.3% YoY
|
0.35%
-14.4% YoY
|
0.66%
+5.2% YoY
|
70% |
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 (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
34.7%
+1.3pp YoY +1.5pp QoQ |
+10.1pp | 24.6% | 24.0% | 22.2% | 84% |
| Brokered Deposits |
7.3%
-0.9pp YoY +0.9pp QoQ |
-2.4pp | 9.8% | 5.5% | 8.5% | 55% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
23.2%
+4.1pp YoY +1.9pp QoQ |
+9.8pp | 13.4% | 16.9% | 12.5% | 84% |
| CRE |
38.2%
+0.2pp YoY -0.9pp QoQ |
+12.9pp | 25.2% | 43.5% | 41.4% | 81% |
| 1-4 Family |
31.4%
-2.6pp YoY -0.9pp QoQ |
-3.6pp | 35.0% | 30.6% | 31.3% | 51% |
| Consumer |
6.6%
-0.2pp YoY -0.3pp QoQ |
-1.0pp | 7.7% | 5.7% | 5.0% | 62% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 15.1% | 19.7% | n/a |
| Leverage Ratio |
14.2%
+0.5pp YoY +0.1pp QoQ |
-3.4pp | 17.7% | 13.2% | 12.6% | 65% |
| Total Capital Ratio | n/a | n/a | 39.7% | 16.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
12
0 YoY 0 QoQ |
-0 | 12 | 304 | 482 | 56% |
| Assets per Employee ($) |
$6.5M
+4.1% YoY +2.4% QoQ |
+$321K | $6.2M | $6.9M | $8.8M | 59% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 20 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.0% | -0.9pp | 1.0% | 0.2% | 0.4% | 6% |
| Nonaccrual |
0.6%
0.0pp QoQ |
-1.2pp | 1.7% | 1.2% | 1.0% | 44% |
| Allowance Coverage |
2.70x
-0.1% QoQ |
-3.71x | 6.41x | 7.50x | 20.23x | 68% |
| Net Charge-off Rate (YTD) |
0.1%
-0.1pp YoY 0.0pp QoQ |
-0.1pp | 0.2% | 0.3% | 0.2% | 62% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
5.8%
-0.1pp YoY +1.2pp QoQ |
-0.6pp | 6.4% | 10.0% | 11.6% | 37% |
| Cost of Funds (YTD) |
1.2%
-0.1pp YoY 0.0pp QoQ |
-0.3pp | 1.4% | 1.7% | 1.7% | 36% |
| Net Income ($, YTD) |
$259,000
+16.7% YoY — QoQ |
-$59K | $317,817 | $17.2M | $40.4M | 45% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.