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Evergreen Federal Bank

Grants Pass, OR · Cert 28914

State savings bank · OCC · 6 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

54

Q2 2024Q2 2026peer median (50)

Asset Quality

38

Q2 2024Q2 2026peer median (50)

Profitability

33

Q2 2024Q2 2026peer median (50)

Liquidity

39

Q2 2024Q2 2026peer median

Efficiency

45

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 Federal Bank

Grants Pass, OR · Cert 28914

State savings bank · OCC · 6 branches

Q2 2026

$621.6MAssets
$492.3MLoans
$536.6MDeposits
$82.1MEquity
Loan mix
99%RE $481.5M0%C&I $1.8M0%Consumer $1.0MQ2 2025Q2 2026
Deposit mix
90%Interest-bearing $480.9M10%Noninterest $55.7MQ2 2025Q2 2026

NIM

4.17%Q2 ’244.40%Q2 ’254.66%Q2 ’26+5%+13%

Non-interest income vs. expense

2.56%Q2 ’242.62%Q2 ’252.64%Q2 ’26+3%-5%

Market Position · Grants Pass, OR · 2026 SOD (annual) · 17.9% share · #1 of 10 inst. · $0.4B of $2.0B

17.9% Josephine
3.0% Jackson
8.2% Curry

Executive Summary

  • Earnings: ROA of 0.81%, up 24 bps year over year; NIM at 3.59%.
  • Asset quality: problem loans at 0.63% of loans (-28 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 13.24%, up 59 bps from a year ago.
  • Funding: loans stand at 91.73% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.81%+24 bps YoY

Net Interest Margin (YTD, annualized)

3.59%+40 bps YoY

Efficiency Ratio (YTD, annualized)

66.15%-972 bps YoY

Tier 1 Leverage Ratio

13.24%+59 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.57%0.58%0.59%0.78%0.81%+24 bps
Return on Equity4.67%4.75%4.77%6.11%6.24%+157 bps
Net Interest Margin3.19%3.18%3.23%3.52%3.59%+40 bps
Efficiency Ratio75.87%75.74%75.59%65.77%66.15%-972 bps
Non-Interest Burden2.36%2.35%2.38%2.13%2.24%-12 bps
Growth
Asset Growth (YoY)2.25%2.75%0.87%2.62%-0.31%-256 bps
Loan Growth (YoY)0.23%-0.65%-1.52%-0.48%1.35%+112 bps
Deposit Growth (YoY)5.92%6.32%4.49%2.06%-1.30%-722 bps
Asset Quality
Nonperforming Loans / Loans0.91%0.80%0.86%0.71%0.63%-28 bps
Net Charge-Offs / Loans0.02%0.01%0.01%0.11%0.05%+3 bps
Allowance / Loans1.34%1.37%1.40%1.40%1.40%+6 bps
Allowance Coverage of NPLs1.5x1.7x1.6x2.0x2.2x+0.8x
Capital
Tier 1 Leverage Ratio12.65%12.61%12.82%13.06%13.24%+59 bps
Total Risk-Based Capital12.65%12.61%12.82%13.06%13.24%+59 bps
Equity / Assets12.33%12.43%12.85%12.86%13.21%+88 bps
Liquidity & Funding
Loans / Deposits89.33%88.71%90.49%88.88%91.73%+240 bps
Liquid Assets / Assets7.01%8.03%6.39%9.42%7.58%+57 bps
CRE / Total Capitaln/a346%343%343%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 Federal Bank

Grants Pass, OR · Cert 28914 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

State savings bank · OCC · 6 branches

Q2 2026

$621.6MAssets
$492.3MLoans
$536.6MDeposits
$82.1MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 76% of banks under $1B in assets operating in a single state (rank 177 of 746).
  • Widest gap: return on equity trails 78% of banks under $1B in assets operating in a single state (rank 581 of 746).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.81%

Rank 513 of 746

Net Interest Margin

3.59%

Rank 402 of 746

Efficiency Ratio

66.15%

Rank 411 of 746

Equity / Assets

13.21%

Rank 177 of 746

Non-interest income vs. expense

$2.5M$16.5MINCOMEEXPENSE
Unfavorable gap of $14.0M · efficiency ratio beats 45% of banks under $1B in assets operating in a single state
Bank 66.15%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.81%0.72%1.06%1.45%Beats 31%513 / 746
Return on Equity6.13%6.74%10.51%13.63%Beats 22%581 / 746
Net Interest Margin3.59%3.17%3.68%4.16%Beats 46%402 / 746
Efficiency Ratio66.15%55.74%64.58%75.47%Beats 45%411 / 746
Asset Quality
Nonperforming Loans / Loans0.63%0.09%0.42%1.07%Beats 41%441 / 743
Net Charge-Offs / Loans0.03%0.00%0.01%0.05%Beats 35%482 / 743
Capital
Tier 1 Capital Ratio13.24%11.55%13.75%17.60%Beats 45%413 / 746
Total Risk-Based Capital Ratio13.24%11.71%14.33%18.43%Beats 40%447 / 746
Equity / Assets13.21%8.90%10.51%13.06%Beats 76%177 / 746
Liquidity & Funding
Loans / Deposits91.73%61.31%78.27%90.78%77th pctl170 / 746
Loans / Assets79.20%53.60%66.97%76.08%84th pctl123 / 746
Brokered Deposits / Depositsn/aNot reported for this institution