Wellsville, MO · Cert 15423 · Evergreen Bancshares Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.4% share · #41 of 111 inst. · $0.5B of $141.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.33% | 0.42% | 0.57% | 0.54% | 0.55% | 0.42% | 0.55% | 0.63% | +9 bps | |
| Return on Equity | 3.41% | 4.30% | 5.93% | 5.57% | 5.67% | 4.35% | 5.65% | 6.34% | +77 bps | |
| Net Interest Margin | 2.73% | 2.70% | 2.78% | 2.84% | 2.90% | 2.84% | 2.86% | 2.97% | +13 bps | |
| Efficiency Ratio | 62.94% | 64.75% | 74.51% | 75.64% | 73.93% | 72.40% | 71.89% | 70.40% | -525 bps | |
| Non-Interest Burden | 1.50% | 1.58% | 2.04% | 2.12% | 2.11% | 2.02% | 2.00% | 2.03% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.21% | 6.10% | 7.01% | 2.64% | 2.77% | 4.20% | 4.76% | 0.51% | -213 bps | |
| Loan Growth (YoY) | 16.13% | 8.47% | 6.64% | 1.59% | -1.56% | -2.83% | -4.99% | -9.19% | -1,078 bps | |
| Deposit Growth (YoY) | 21.83% | 10.73% | 6.94% | 2.61% | 2.95% | 3.29% | 6.55% | 4.18% | +157 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.68% | 1.72% | 2.10% | 1.93% | 1.10% | 1.87% | 2.11% | 1.54% | -39 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.30% | 1.27% | 1.07% | 0.08% | 0.05% | -25 bps | |
| Allowance / Loans | 1.79% | 1.83% | 1.81% | 1.68% | 0.95% | 1.19% | 1.23% | 1.31% | -37 bps | |
| Allowance Coverage of NPLs | 1.1x | 1.1x | 0.9x | 0.9x | 0.9x | 0.6x | 0.6x | 0.9x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.56% | 9.51% | 9.75% | 9.79% | 9.85% | 9.66% | 9.75% | 10.01% | +22 bps | |
| Total Risk-Based Capital | 12.08% | 13.06% | 13.12% | 13.34% | 13.28% | 13.95% | 14.04% | 14.80% | +146 bps | |
| Equity / Assets | 9.38% | 9.49% | 9.62% | 9.75% | 9.71% | 9.71% | 9.70% | 10.26% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 108.85% | 106.31% | 108.92% | 108.99% | 104.08% | 100.01% | 97.13% | 95.00% | -1,399 bps | |
| Liquid Assets / Assets | 6.16% | 6.34% | 6.18% | 5.86% | 8.84% | 12.31% | 13.88% | 13.27% | +741 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 534% | 523% | 518% | n/a | n/a | |