New York, NY · Cert 25749 · Evergreen Holdings LLC
National charter · OCC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=30 to 31). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
77
Asset Quality
100
Profitability
52
Liquidity
89
Efficiency
52
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.
New York, NY · Cert 25749 · Evergreen Holdings LLC
National charter · OCC · 1 branch
Q2 2026
Market Position · New York-Newark-Jersey City, NY-NJ · 2026 SOD (annual) · 0.0% share · #131 of 151 inst. · $0.1B of $2921.1B
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.21% | 1.93% | 0.83% | 0.36% | 0.42% | +64 bps | |
| Return on Equity | -1.13% | 9.64% | 4.01% | 1.51% | 1.80% | +293 bps | |
| Net Interest Margin | 2.77% | 2.82% | 3.02% | 3.57% | 3.53% | +77 bps | |
| Efficiency Ratio | 105.70% | 28.88% | 34.62% | 85.47% | 83.66% | -2,205 bps | |
| Non-Interest Burden | 2.93% | -4.94% | -3.00% | 3.03% | 2.93% | 0 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.05% | -3.06% | -8.39% | -3.86% | 6.95% | +1,200 bps | |
| Loan Growth (YoY) | -1.53% | -2.55% | -2.44% | -0.66% | 6.85% | +838 bps | |
| Deposit Growth (YoY) | -4.17% | -7.02% | -14.07% | -8.30% | -1.87% | +229 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 2.36% | 2.41% | 2.74% | 2.71% | 2.55% | +20 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 22.11% | 23.78% | 23.52% | 24.27% | 22.99% | +88 bps | |
| Total Risk-Based Capital | 30.75% | 36.71% | 32.31% | 32.49% | 31.11% | +37 bps | |
| Equity / Assets | 19.90% | 23.57% | 23.76% | 23.97% | 22.89% | +299 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 88.84% | 85.34% | 89.11% | 91.15% | 96.74% | +790 bps | |
| Liquid Assets / Assets | 4.61% | 27.04% | 11.55% | 10.27% | 10.77% | +616 bps | |
| CRE / Total Capital | n/a | 213% | 221% | 225% | n/a | n/a | |
New York, NY · Cert 25749 · Peer group: banks under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=30-31) · Evergreen Holdings LLC
National charter · OCC · 1 branch
Q2 2026
Return on Assets
0.41%
Rank 15 of 31
Net Interest Margin
3.53%
Rank 11 of 31
Efficiency Ratio
83.66%
Rank 16 of 31
Equity / Assets
22.89%
Rank 7 of 31
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.41% | -0.02% | 0.39% | 0.84% | Beats 52% | 15 / 31 | |
| Return on Equity | 1.80% | -0.19% | 2.57% | 5.72% | Beats 39% | 19 / 31 | |
| Net Interest Margin | 3.53% | 2.51% | 3.30% | 3.85% | Beats 65% | 11 / 31 | |
| Efficiency Ratio | 83.66% | 68.41% | 83.66% | 91.76% | Beats 52% | 16 / 31 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.18% | 0.47% | 2.65% | Beats 100% | 5 / 30 | |
| Net Charge-Offs / Loans | 0.00% | n/a | n/a | 0.02% | Beats 100% | 17 / 30 | |
| Capital | |||||||
| Tier 1 Capital Ratio | 29.85% | 13.24% | 15.54% | 26.77% | Beats 77% | 7 / 31 | |
| Total Risk-Based Capital Ratio | 31.11% | 14.07% | 16.32% | 26.77% | Beats 77% | 7 / 31 | |
| Equity / Assets | 22.89% | 10.38% | 13.26% | 17.83% | Beats 77% | 7 / 31 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 96.74% | 84.03% | 94.98% | 103.65% | 52nd pctl | 15 / 31 | |
| Loans / Assets | 66.19% | 61.61% | 75.31% | 83.78% | 29th pctl | 22 / 31 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||