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
Unfavorable gap of $1.7M · efficiency ratio beats 36% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.66% | 0.60% | 1.01% | 1.45% | Beats 28% | 453 / 629 | |
| Return on Equity | 5.70% | 5.38% | 9.30% | 13.28% | Beats 27% | 462 / 629 | |
| Net Interest Margin | 3.21% | 3.03% | 3.54% | 4.05% | Beats 33% | 424 / 629 | |
| Efficiency Ratio | 73.78% | 58.35% | 67.79% | 79.08% | Beats 36% | 404 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.59% | 0.09% | 0.46% | 1.20% | Beats 44% | 326 / 581 | |
| Net Charge-Offs / Loans | 0.05% | n/a | 0.01% | 0.06% | Beats 29% | 416 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 14.25% | 11.24% | 13.84% | 18.77% | Beats 53% | 293 / 629 | |
| Total Risk-Based Capital Ratio | 14.25% | 11.58% | 14.43% | 19.66% | Beats 48% | 326 / 629 | |
| Equity / Assets | 11.64% | 9.09% | 10.65% | 13.80% | Beats 60% | 251 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 45.81% | 67.24% | 80.90% | 93.48% | 9th pctl | 543 / 594 | |
| Loans / Assets | 40.21% | 53.31% | 67.71% | 78.15% | 15th pctl | 537 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |