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Evergreen National Bank

Evergreen, CO · Cert 23404 · Evergreen Bcorp

National charter · OCC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

53

Q2 2024Q2 2026peer median (50)

Asset Quality

69

Q2 2024Q2 2026peer median (50)

Profitability

61

Q2 2024Q2 2026peer median (50)

Liquidity

83

Q2 2024Q2 2026peer median

Efficiency

34

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Evergreen National Bank

Evergreen, CO · Cert 23404 · Evergreen Bcorp

National charter · OCC · 3 branches

Q2 2026

$139.9MAssets
$100.1MLoans
$122.0MDeposits
$17.6MEquity
Loan mix
97%RE $95.3M2%C&I $2.1M0%Consumer $0.4MQ2 2025Q2 2026
Deposit mix
45%Interest-bearing $55.0M55%Noninterest $67.0MQ2 2025Q2 2026

NIM

5.31%Q2 ’245.48%Q2 ’255.86%Q2 ’26-3%+9%

Non-interest income vs. expense

4.12%Q2 ’243.95%Q2 ’254.20%Q2 ’26-4%+8%

Market Position · Denver-Aurora-Centennial, CO · 2026 SOD (annual) · 0.1% share · #45 of 68 inst. · $0.1B of $113.6B

0.5% Jefferson
100.0% Clear Creek

Executive Summary

  • Earnings: ROA of 1.09%, down 3 bps year over year; NIM at 5.42%.
  • Asset quality: problem loans at 0.09% of loans (-4 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 13.54%, up 95 bps from a year ago.
  • Funding: loans stand at 82.02% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.09%-3 bps YoY

Net Interest Margin (YTD, annualized)

5.42%+46 bps YoY

Efficiency Ratio (YTD, annualized)

71.45%-97 bps YoY

Tier 1 Leverage Ratio

13.54%+95 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.12%1.17%1.12%0.95%1.09%-3 bps
Return on Equity10.20%10.37%9.78%7.47%8.67%-154 bps
Net Interest Margin4.96%4.92%5.00%5.42%5.42%+46 bps
Efficiency Ratio72.42%71.59%71.91%71.24%71.45%-97 bps
Non-Interest Burden3.46%3.38%3.46%3.74%3.75%+29 bps
Growth
Asset Growth (YoY)1.72%1.25%-1.77%-4.43%4.88%+316 bps
Loan Growth (YoY)5.38%0.83%12.01%8.88%9.93%+456 bps
Deposit Growth (YoY)-0.05%-0.24%-3.85%-6.63%3.86%+391 bps
Asset Quality
Nonperforming Loans / Loans0.14%0.39%0.90%0.29%0.09%-4 bps
Net Charge-Offs / Loans-0.01%0.03%0.07%0.01%0.01%+1 bps
Allowance / Loans1.12%1.10%1.05%1.14%1.12%0 bps
Allowance Coverage of NPLs8.3x2.8x1.2x4.0x11.8x+3.5x
Capital
Tier 1 Leverage Ratio12.59%12.60%12.89%13.30%13.54%+95 bps
Total Risk-Based Capital19.17%12.60%12.89%13.30%13.54%-563 bps
Equity / Assets11.68%11.95%12.34%13.01%12.55%+86 bps
Liquidity & Funding
Loans / Deposits77.49%76.35%82.09%86.10%82.02%+453 bps
Liquid Assets / Assets5.32%0.00%0.00%0.00%0.00%-532 bps
CRE / Total Capitaln/a322%319%323%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Evergreen National Bank

Evergreen, CO · Cert 23404 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Evergreen Bcorp

National charter · OCC · 3 branches

Q2 2026

$139.9MAssets
$100.1MLoans
$122.0MDeposits
$17.6MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 98% of banks under $1B in assets operating in a single state (rank 14 of 746).
  • Widest gap: efficiency ratio trails 66% of banks under $1B in assets operating in a single state (rank 497 of 746).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.06%

Rank 377 of 746

Net Interest Margin

5.42%

Rank 14 of 746

Efficiency Ratio

71.45%

Rank 497 of 746

Equity / Assets

12.55%

Rank 215 of 746

Non-interest income vs. expense

$0.6M$5.6MINCOMEEXPENSE
Unfavorable gap of $5.0M · efficiency ratio beats 34% of banks under $1B in assets operating in a single state
Bank 71.45%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.06%0.72%1.06%1.45%Beats 49%377 / 746
Return on Equity8.44%6.74%10.51%13.63%Beats 37%472 / 746
Net Interest Margin5.42%3.17%3.68%4.16%Beats 98%14 / 746
Efficiency Ratio71.45%55.74%64.58%75.47%Beats 34%497 / 746
Asset Quality
Nonperforming Loans / Loans0.09%0.09%0.42%1.07%Beats 75%190 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 63%275 / 743
Capital
Tier 1 Capital Ratio13.54%11.55%13.75%17.60%Beats 47%393 / 746
Total Risk-Based Capital Ratio13.54%11.71%14.33%18.43%Beats 42%429 / 746
Equity / Assets12.55%8.90%10.51%13.06%Beats 71%215 / 746
Liquidity & Funding
Loans / Deposits82.02%61.31%78.27%90.78%58th pctl315 / 746
Loans / Assets71.51%53.60%66.97%76.08%61st pctl292 / 746
Brokered Deposits / Depositsn/aNot reported for this institution