Evergreen, AL · Cert 49
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.58% | 0.65% | 0.74% | 0.53% | 0.67% | +9 bps | |
| Return on Equity | 5.90% | 6.42% | 7.02% | 4.52% | 5.76% | -15 bps | |
| Net Interest Margin | 3.09% | 3.10% | 3.05% | 3.11% | 3.21% | +12 bps | |
| Efficiency Ratio | 74.98% | 73.38% | 73.49% | 77.16% | 73.78% | -120 bps | |
| Non-Interest Burden | 2.24% | 2.18% | 2.15% | 2.32% | 2.26% | +3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.42% | -4.28% | -0.16% | 0.35% | 4.12% | +754 bps | |
| Loan Growth (YoY) | 3.91% | 5.01% | 0.86% | -0.04% | -3.39% | -730 bps | |
| Deposit Growth (YoY) | -1.44% | -2.11% | -0.54% | -0.28% | 2.52% | +396 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.59% | 0.60% | 0.59% | +59 bps | |
| Net Charge-Offs / Loans | 0.12% | 0.08% | 0.06% | 0.12% | 0.07% | -5 bps | |
| Allowance / Loans | 1.58% | 1.58% | 1.62% | 1.64% | 1.60% | +2 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 2.7x | 2.7x | 2.7x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.79% | 13.75% | 13.97% | 14.12% | 14.25% | +46 bps | |
| Total Risk-Based Capital | 13.79% | 13.75% | 13.97% | 14.12% | 14.25% | +46 bps | |
| Equity / Assets | 10.32% | 11.16% | 11.60% | 11.71% | 11.64% | +132 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 48.61% | 48.28% | 46.62% | 46.14% | 45.81% | -280 bps | |
| Liquid Assets / Assets | 5.17% | 5.14% | 4.13% | 3.55% | 3.22% | -195 bps | |
| CRE / Total Capital | n/a | 121.16% | 118.77% | 109.69% | n/a | n/a | |