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
Unfavorable gap of $14.0M · efficiency ratio beats 45% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.81% | 0.72% | 1.06% | 1.45% | Beats 31% | 513 / 746 | | |
| Return on Equity | 6.13% | 6.74% | 10.51% | 13.63% | Beats 22% | 581 / 746 | | |
| Net Interest Margin | 3.59% | 3.17% | 3.68% | 4.16% | Beats 46% | 402 / 746 | | |
| Efficiency Ratio | 66.15% | 55.74% | 64.58% | 75.47% | Beats 45% | 411 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.63% | 0.09% | 0.42% | 1.07% | Beats 41% | 441 / 743 | | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.01% | 0.05% | Beats 35% | 482 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 13.24% | 11.55% | 13.75% | 17.60% | Beats 45% | 413 / 746 | | |
| Total Risk-Based Capital Ratio | 13.24% | 11.71% | 14.33% | 18.43% | Beats 40% | 447 / 746 | | |
| Equity / Assets | 13.21% | 8.90% | 10.51% | 13.06% | Beats 76% | 177 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 91.73% | 61.31% | 78.27% | 90.78% | 77th pctl | 170 / 746 | | |
| Loans / Assets | 79.20% | 53.60% | 66.97% | 76.08% | 84th pctl | 123 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |