Evergreen, CO · Cert 23404 · Evergreen Bcorp
National charter · OCC · 3 branches
Q2 2026
Market Position · Denver-Aurora-Centennial, CO · 2026 SOD (annual) · 0.1% share · #45 of 68 inst. · $0.1B of $113.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.17% | 1.26% | 0.98% | 0.95% | 1.26% | +9 bps | |
| Return on Equity | 10.33% | 10.69% | 8.10% | 7.47% | 9.85% | -48 bps | |
| Net Interest Margin | 4.95% | 5.05% | 5.13% | 5.42% | 5.45% | +50 bps | |
| Efficiency Ratio | 71.79% | 69.98% | 72.83% | 71.24% | 71.65% | -14 bps | |
| Non-Interest Burden | 3.41% | 3.39% | 3.61% | 3.74% | 3.77% | +36 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 / Loans | 0.14% | 0.39% | 0.90% | 0.29% | 0.09% | -4 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.11% | 0.20% | 0.01% | 0.00% | +1 bps | |
| Allowance / Loans | 1.12% | 1.10% | 1.05% | 1.14% | 1.12% | 0 bps | |
| Allowance Coverage of NPLs | 8.3x | 2.8x | 1.2x | 4.0x | 11.8x | +3.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.59% | 12.60% | 12.89% | 13.30% | 13.54% | +95 bps | |
| Total Risk-Based Capital | 19.17% | 12.60% | 12.89% | 13.30% | 13.54% | -563 bps | |
| Equity / Assets | 11.68% | 11.95% | 12.34% | 13.01% | 12.55% | +86 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 77.49% | 76.35% | 82.09% | 86.10% | 82.02% | +453 bps | |
| Liquid Assets / Assets | 5.32% | 0.00% | 0.00% | 0.00% | 0.00% | -532 bps | |
| CRE / Total Capital | n/a | 322% | 319% | 323% | n/a | n/a | |