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
Unfavorable gap of $39.2M · efficiency ratio beats 29% of banks $1B-$10B in assets in the Chicago-Naperville-Elgin, IL-IN area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.56% | 0.85% | 1.30% | 1.57% | Beats 16% | 26 / 31 | |
| Return on Equity | 5.08% | 8.43% | 12.60% | 16.48% | Beats 13% | 27 / 31 | |
| Net Interest Margin | 4.43% | 2.95% | 3.21% | 3.49% | Beats 94% | 2 / 31 | |
| Efficiency Ratio | 64.24% | 40.75% | 52.58% | 64.29% | Beats 29% | 23 / 31 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.34% | 0.24% | 0.49% | 0.92% | Beats 68% | 11 / 31 | |
| Net Charge-Offs / Loans | 0.65% | 0.02% | 0.06% | 0.11% | Beats 3% | 31 / 31 | |
| Capital |
| Tier 1 Capital Ratio | 12.77% | 10.83% | 11.30% | 12.94% | Beats 71% | 9 / 31 | |
| Total Risk-Based Capital Ratio | 14.02% | 11.39% | 11.98% | 14.06% | Beats 71% | 9 / 31 | |
| Equity / Assets | 11.02% | 9.05% | 10.15% | 11.14% | Beats 71% | 9 / 31 | |
| Liquidity & Funding |
| Loans / Deposits | 99.19% | 82.18% | 87.93% | 95.45% | 87th pctl | 4 / 31 | |
| Loans / Assets | 86.09% | 68.20% | 74.31% | 78.93% | 94th pctl | 2 / 31 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |