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Bank of Evergreen

Evergreen, AL · Cert 49

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 (n=581 to 629). 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

37

Q2 2024Q2 2026peer median (50)

Profitability

29

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

36

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

Bank of Evergreen

Evergreen, AL · Cert 49

State charter, non-member · FDIC · 1 branch

Q2 2026

$78.1MAssets
$31.4MLoans
$68.6MDeposits
$9.1MEquity
Loan mix
72%RE $22.3M21%C&I $6.5M7%Consumer $2.1MQ3 2024Q2 2026
Deposit mix
65%Interest-bearing $44.8M35%Noninterest $23.8MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.67%, up 9 bps year over year; NIM at 3.21%.
  • Asset quality: problem loans at 0.59% of loans (+59 bps YoY), with net charge-offs at 0.07%.
  • Capital: tier 1 leverage ratio of 14.25%, up 46 bps from a year ago.
  • Funding: loans stand at 45.81% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.67%+9 bps YoY

Net Interest Margin (YTD, annualized)

3.21%+12 bps YoY

Efficiency Ratio (YTD, annualized)

73.78%-120 bps YoY

Tier 1 Leverage Ratio

14.25%+46 bps YoY

NIM

3.81%Q2 ’244.32%Q2 ’254.32%Q2 ’26+17%+4%

Non-interest income vs. expense

2.43%Q2 ’242.56%Q2 ’252.67%Q2 ’26+2%+1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.39%0.48%0.67%0.58%0.65%0.74%0.53%0.67%+9 bps
Return on Equity4.29%5.30%6.96%5.90%6.42%7.02%4.52%5.76%-15 bps
Net Interest Margin2.44%2.65%3.09%3.09%3.10%3.05%3.11%3.21%+12 bps
Efficiency Ratio82.07%78.99%73.14%74.98%73.38%73.49%77.16%73.78%-120 bps
Non-Interest Burden1.96%2.03%2.17%2.24%2.18%2.15%2.32%2.26%+3 bps
Growth
Asset Growth (YoY)12.88%4.46%1.59%-3.42%-4.28%-0.16%0.35%4.12%+754 bps
Loan Growth (YoY)28.55%18.66%15.21%3.91%5.01%0.86%-0.04%-3.39%-730 bps
Deposit Growth (YoY)8.73%2.50%-1.05%-1.44%-2.11%-0.54%-0.28%2.52%+396 bps
Asset Quality
Nonperforming Loans / Loans0.74%0.39%0.18%0.00%0.00%0.59%0.60%0.59%+59 bps
Net Charge-Offs / Loans0.29%0.16%0.03%0.12%0.08%0.06%0.12%0.07%-5 bps
Allowance / Loans1.60%1.63%1.67%1.58%1.58%1.62%1.64%1.60%+2 bps
Allowance Coverage of NPLs2.2x4.1x9.2xn/an/a2.7x2.7x2.7xn/a
Capital
Tier 1 Leverage Ratio12.07%12.85%13.62%13.79%13.75%13.97%14.12%14.25%+46 bps
Total Risk-Based Capital12.07%12.85%13.62%13.79%13.75%13.97%14.12%14.25%+46 bps
Equity / Assets9.64%9.26%10.06%10.32%11.16%11.60%11.71%11.64%+132 bps
Liquidity & Funding
Loans / Deposits45.00%45.97%46.03%48.61%48.28%46.62%46.14%45.81%-280 bps
Liquid Assets / Assets7.62%7.39%6.56%5.17%5.14%4.13%3.55%3.22%-195 bps
CRE / Total Capitaln/an/an/an/a121.16%118.77%109.69%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

Bank of Evergreen

Evergreen, AL · Cert 49 · Peer group: banks under $1B in assets (n=581-629)

State charter, non-member · FDIC · 1 branch

Q2 2026

$78.1MAssets
$31.4MLoans
$68.6MDeposits
$9.1MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 60% of banks under $1B in assets (rank 251 of 629).
  • Widest gap: return on equity trails 73% of banks under $1B in assets (rank 462 of 629).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.66%

Rank 453 of 629

Net Interest Margin

3.21%

Rank 424 of 629

Efficiency Ratio

73.78%

Rank 404 of 629

Equity / Assets

11.64%

Rank 251 of 629

Non-interest income vs. expense

$0.3M$2.1MINCOMEEXPENSE
Unfavorable gap of $1.7M · efficiency ratio beats 36% of banks under $1B in assets
Bank 73.78%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.66%0.60%1.01%1.45%Beats 28%453 / 629
Return on Equity5.70%5.38%9.30%13.28%Beats 27%462 / 629
Net Interest Margin3.21%3.03%3.54%4.05%Beats 33%424 / 629
Efficiency Ratio73.78%58.35%67.79%79.08%Beats 36%404 / 629
Asset Quality
Nonperforming Loans / Loans0.59%0.09%0.46%1.20%Beats 44%326 / 581
Net Charge-Offs / Loans0.05%n/a0.01%0.06%Beats 29%416 / 581
Capital
Tier 1 Capital Ratio14.25%11.24%13.84%18.77%Beats 53%293 / 629
Total Risk-Based Capital Ratio14.25%11.58%14.43%19.66%Beats 48%326 / 629
Equity / Assets11.64%9.09%10.65%13.80%Beats 60%251 / 629
Liquidity & Funding
Loans / Deposits45.81%67.24%80.90%93.48%9th pctl543 / 594
Loans / Assets40.21%53.31%67.71%78.15%15th pctl537 / 629
Brokered Deposits / Depositsn/aNot reported for this institution