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Evergreen Community Bank

Evergreen Park, IL · Cert 35230

FDIC · 3 branches

Q2 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area3

Basis

Quarter: Q2 2025, the quarter ended June 30, 2025, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=31). 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

71

Q2 2024Q2 2025peer median (50)

Asset Quality

36

Q2 2024Q2 2025peer median (50)

Profitability

41

Q2 2024Q2 2025peer median (50)

Liquidity

0

Q2 2024Q2 2025peer median

Efficiency

29

Q2 2024Q2 2025peer 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 Community Bank

Evergreen Park, IL · Cert 35230

FDIC · 3 branches

Q2 2025

$1.4BAssets
$1.2BLoans
$1.2BDeposits
$156.4MEquity
Loan mix
24%RE $264.7M3%C&I $32.7M73%Consumer $823.4MQ2 2024Q2 2025
Deposit mix
94%Interest-bearing $1.2B6%Noninterest $0.1BQ2 2024Q2 2025

NIM

6.18%Q2 ’237.11%Q2 ’247.68%Q2 ’25-12%+25%

Non-interest income vs. expense

2.60%Q2 ’232.55%Q2 ’243.00%Q2 ’25-3%+15%

Market Position · Chicago-Naperville-Elgin, IL-IN · 2025 SOD (annual) · 0.2% share · #45 of 152 inst. · $1.2B of $601.9B

1.7% DuPage
0.1% Cook

Executive Summary

  • Earnings: ROA of 0.56%, up 27 bps year over year; NIM at 4.43%.
  • Asset quality: problem loans at 0.34% of loans (+6 bps YoY), with net charge-offs at 1.06%.
  • Capital: tier 1 leverage ratio of 11.63%, up 60 bps from a year ago.
  • Funding: loans stand at 99.19% of deposits as of Q2 2025.

Financial Results

Return on Assets (YTD, annualized)

0.56%+27 bps YoY

Net Interest Margin (YTD, annualized)

4.43%+88 bps YoY

Efficiency Ratio (YTD, annualized)

64.24%-466 bps YoY

Tier 1 Leverage Ratio

11.63%+60 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2024Q3 2024Q4 2024Q1 2025Q2 2025YoY ΔTrend
Earnings
Return on Assets0.29%0.40%0.50%0.82%0.56%+27 bps
Return on Equity2.79%3.80%4.72%7.43%5.06%+227 bps
Net Interest Margin3.55%3.67%3.75%4.23%4.43%+88 bps
Efficiency Ratio68.90%67.31%64.42%57.06%64.24%-466 bps
Non-Interest Burden2.40%2.42%2.35%2.30%2.77%+37 bps
Growth
Asset Growth (YoY)-2.89%-3.16%-3.66%-6.18%-2.52%+37 bps
Loan Growth (YoY)-1.78%-1.84%-2.66%-1.84%0.13%+190 bps
Deposit Growth (YoY)-3.61%-4.43%-4.38%-6.16%-1.69%+192 bps
Asset Quality
Nonperforming Loans / Loans0.27%0.32%0.35%0.33%0.34%+6 bps
Net Charge-Offs / Loans0.84%0.86%0.98%1.20%1.06%+22 bps
Allowance / Loans1.78%1.73%1.72%1.69%1.71%-7 bps
Allowance Coverage of NPLs6.5x5.4x4.9x5.1x5.1x-1.4x
Capital
Tier 1 Leverage Ratio11.03%11.26%11.38%11.45%11.63%+60 bps
Total Risk-Based Capital13.81%13.93%14.42%14.21%14.02%+21 bps
Equity / Assets10.61%10.82%10.96%11.12%11.02%+41 bps
Liquidity & Funding
Loans / Deposits97.39%96.73%96.77%98.30%99.19%+180 bps
Liquid Assets / Assets4.89%5.71%6.67%4.23%3.88%-101 bps
CRE / Total Capitaln/an/an/an/an/an/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 Community Bank

Evergreen Park, IL · Cert 35230 · Peer group: banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=31)

FDIC · 3 branches

Q2 2025

$1.4BAssets
$1.2BLoans
$1.2BDeposits
$156.4MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 94% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 2 of 31).
  • Widest gap: net charge-offs / loans trails 97% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 31 of 31).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.56%

Rank 26 of 31

Net Interest Margin

4.43%

Rank 2 of 31

Efficiency Ratio

64.24%

Rank 23 of 31

Equity / Assets

11.02%

Rank 9 of 31

Non-interest income vs. expense

$3.3M$42.4MINCOMEEXPENSE
Unfavorable gap of $39.2M · efficiency ratio beats 29% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area
Bank 64.24%Peer median 52.6%Q2 2024Q2 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.56%0.85%1.30%1.57%Beats 16%26 / 31
Return on Equity5.08%8.43%12.60%16.48%Beats 13%27 / 31
Net Interest Margin4.43%2.95%3.21%3.49%Beats 94%2 / 31
Efficiency Ratio64.24%40.75%52.58%64.29%Beats 29%23 / 31
Asset Quality
Nonperforming Loans / Loans0.34%0.24%0.49%0.92%Beats 68%11 / 31
Net Charge-Offs / Loans0.65%0.02%0.06%0.11%Beats 3%31 / 31
Capital
Tier 1 Capital Ratio12.77%10.83%11.30%12.94%Beats 71%9 / 31
Total Risk-Based Capital Ratio14.02%11.39%11.98%14.06%Beats 71%9 / 31
Equity / Assets11.02%9.05%10.15%11.14%Beats 71%9 / 31
Liquidity & Funding
Loans / Deposits99.19%82.18%87.93%95.45%87th pctl4 / 31
Loans / Assets86.09%68.20%74.31%78.93%94th pctl2 / 31
Brokered Deposits / Depositsn/aNot reported for this institution