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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 0.82%, up 33 bps year over year; NIM at 3.32%.
  • Asset quality: problem loans at 0.59% of loans (+59 bps YoY), with net charge-offs at 0.03%.
  • 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 (quarter, annualized)

0.82%+33 bps YoY

Net Interest Margin (quarter, annualized)

3.32%+25 bps YoY

Efficiency Ratio (quarter, annualized)

70.64%-620 bps YoY

Tier 1 Leverage Ratio

14.25%+46 bps YoY

NIM

3.96%Q2 ’244.33%Q2 ’254.40%Q2 ’26+13%+8%

Non-interest income vs. expense

2.40%Q2 ’242.62%Q2 ’252.65%Q2 ’26+0%-3%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.50%0.74%0.67%0.49%0.80%0.98%0.53%0.82%+33 bps
Return on Equity5.53%7.85%6.96%4.84%7.47%8.60%4.52%7.01%+218 bps
Net Interest Margin2.56%2.89%3.09%3.07%3.19%3.01%3.11%3.32%+25 bps
Efficiency Ratio77.50%70.80%73.14%76.84%70.38%73.79%77.16%70.64%-620 bps
Non-Interest Burden1.90%1.95%2.17%2.29%2.13%2.10%2.32%2.22%-6 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 / Loans0.84%-0.23%0.03%0.22%0.00%-0.01%0.12%0.03%-20 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