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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 75thStandingRank8-Qtr TrendPeer 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