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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.48% | -0.42% | -0.22% | -0.21% | 1.93% | 0.83% | 0.36% | 0.42% | +64 bps | |
| Return on Equity | -2.57% | -2.28% | -1.21% | -1.13% | 9.64% | 4.01% | 1.51% | 1.80% | +293 bps | |
| Net Interest Margin | 2.44% | 2.37% | 2.60% | 2.77% | 2.82% | 3.02% | 3.57% | 3.53% | +77 bps | |
| Efficiency Ratio | 118.49% | 117.86% | 104.66% | 105.70% | 28.88% | 34.62% | 85.47% | 83.66% | -2,205 bps | |
| Non-Interest Burden | 2.92% | 2.81% | 2.73% | 2.93% | -4.94% | -3.00% | 3.03% | 2.93% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.21% | 0.84% | -2.31% | -5.05% | -3.06% | -8.39% | -3.86% | 6.95% | +1,200 bps | |
| Loan Growth (YoY) | 6.28% | 2.08% | 3.17% | -1.53% | -2.55% | -2.44% | -0.66% | 6.85% | +838 bps | |
| Deposit Growth (YoY) | 0.79% | 3.92% | -1.16% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 2.35% | 2.31% | 2.32% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 21.74% | 20.70% | 21.15% | 22.11% | 23.78% | 23.52% | 24.27% | 22.99% | +88 bps | |
| Total Risk-Based Capital | 30.78% | 30.40% | 30.43% | 30.75% | 36.71% | 32.31% | 32.49% | 31.11% | +37 bps | |
| Equity / Assets | 18.85% | 17.62% | 18.93% | 19.90% | 23.57% | 23.76% | 23.97% | 22.89% | +299 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.43% | 78.49% | 84.14% | 88.84% | 85.34% | 89.11% | 91.15% | 96.74% | +790 bps | |
| Liquid Assets / Assets | 11.29% | 13.69% | 8.52% | 4.61% | 27.04% | 11.55% | 10.27% | 10.77% | +616 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 213% | 221% | 225% | n/a | n/a | |