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 (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 | 1.11% | 1.08% | 1.08% | 1.12% | 1.17% | 1.12% | 0.95% | 1.09% | -3 bps | |
| Return on Equity | 11.00% | 10.63% | 10.07% | 10.20% | 10.37% | 9.78% | 7.47% | 8.67% | -154 bps | |
| Net Interest Margin | 4.94% | 4.93% | 4.87% | 4.96% | 4.92% | 5.00% | 5.42% | 5.42% | +46 bps | |
| Efficiency Ratio | 72.14% | 73.20% | 73.05% | 72.42% | 71.59% | 71.91% | 71.24% | 71.45% | -97 bps | |
| Non-Interest Burden | 3.42% | 3.47% | 3.43% | 3.46% | 3.38% | 3.46% | 3.74% | 3.75% | +29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.21% | 3.81% | 8.94% | 1.72% | 1.25% | -1.77% | -4.43% | 4.88% | +316 bps | |
| Loan Growth (YoY) | 17.53% | 10.15% | 10.54% | 5.38% | 0.83% | 12.01% | 8.88% | 9.93% | +456 bps | |
| Deposit Growth (YoY) | -4.75% | 2.48% | 7.77% | -0.05% | -0.24% | -3.85% | -6.63% | 3.86% | +391 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.32% | 0.14% | 0.39% | 0.90% | 0.29% | 0.09% | -4 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | -0.01% | -0.01% | 0.03% | 0.07% | 0.01% | 0.01% | +1 bps | |
| Allowance / Loans | 1.13% | 1.18% | 1.14% | 1.12% | 1.10% | 1.05% | 1.14% | 1.12% | 0 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 3.5x | 8.3x | 2.8x | 1.2x | 4.0x | 11.8x | +3.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.79% | 11.95% | 12.08% | 12.59% | 12.60% | 12.89% | 13.30% | 13.54% | +95 bps | |
| Total Risk-Based Capital | 19.16% | 19.65% | 12.08% | 19.17% | 12.60% | 12.89% | 13.30% | 13.54% | -563 bps | |
| Equity / Assets | 10.71% | 10.45% | 10.94% | 11.68% | 11.95% | 12.34% | 13.01% | 12.55% | +86 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.54% | 70.47% | 73.84% | 77.49% | 76.35% | 82.09% | 86.10% | 82.02% | +453 bps | |
| Liquid Assets / Assets | 7.31% | 11.74% | 9.28% | 5.32% | 0.00% | 0.00% | 0.00% | 0.00% | -532 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 322% | 319% | 323% | n/a | n/a | |