BlastPoint's Banking Scorecard
Evergreen National Bank
Micro
Specialty: Commercial
CO
FDIC cert 23404
Designations: ✓ Community bank
Evergreen, CO
2498
banks in Micro tier nationally
44 in CO
View Micro leaderboard (CO) →
Evergreen National Bank demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.42% above tier
- + Non-Interest-Bearing Deposit Share 39.23% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$135.2M
-1.8% YoY
-0.3% QoQ
|
-$82.3M |
$217.5M
+2.3% YoY
|
$1.3B
+2.8% YoY
|
$5.9B
+6.5% YoY
|
33% |
| Total Loans ? |
$96.0M
+12.2% YoY
+6.9% QoQ
|
-$43.2M |
$139.2M
+2.8% YoY
|
$824.3M
+2.7% YoY
|
$3.1B
+8.5% YoY
|
42% |
| Total Deposits ? |
$118.2M
-3.8% YoY
-0.6% QoQ
|
-$65.5M |
$183.7M
+1.8% YoY
|
$1.1B
+1.6% YoY
|
$4.7B
+6.3% YoY
|
35% |
| Return on Assets ? |
1.12%
+3.9% YoY
-3.9% QoQ
|
+0.04% |
1.08%
+14.7% YoY
|
1.12%
+12.0% YoY
|
1.12%
+15.6% YoY
|
54% |
| Net Interest Margin ? |
5.27%
-0.6% YoY
+1.1% QoQ
|
+1.42% |
3.85%
+6.6% YoY
|
3.95%
+6.7% YoY
|
3.75%
+7.1% YoY
|
Top 6% in tier |
| Efficiency Ratio ? |
71.91%
-1.8% YoY
+0.4% QoQ
|
+4.18% |
67.73%
-4.8% YoY
|
67.28%
-4.0% YoY
|
65.09%
-5.1% YoY
|
35% |
| Delinquency Rate ? |
0.91%
+127.3% QoQ
|
+0.27% |
0.64%
+24.4% YoY
|
0.61%
+13.9% YoY
|
0.66%
+20.3% YoY
|
31% |
| Loan-to-Deposit Ratio ? |
81.23%
+16.6% YoY
+7.6% QoQ
|
+6.70% |
74.53%
+0.5% YoY
|
79.99%
+0.9% YoY
|
78.04%
+0.7% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
61.63%
-2.6% YoY
+6.4% QoQ
|
+39.23% |
22.39%
-1.3% YoY
|
24.49%
-4.5% YoY
|
21.79%
-1.3% YoY
|
Top 1% in tier |
| Nonperforming Asset Ratio ? |
0.64%
+143.7% QoQ
|
+0.19% |
0.45%
+25.1% YoY
|
0.45%
-15.5% YoY
|
0.48%
+20.8% YoY
|
30% |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
|
-8.85% |
8.85%
-3.4% YoY
|
9.12%
-6.3% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.48%
-5.8% YoY
+32.8% QoQ
|
-0.08% |
0.56%
+0.3% YoY
|
0.58%
-33.0% YoY
|
0.65%
+0.6% YoY
|
67% |
Signature Analysis
Strengths (2)
Net Interest Margin
metric
Top 6%
in Micro
Why this stands out
Current:
5.27%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Top 1%
in Micro
Why this stands out
Current:
61.63%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 61.63% · Tier avg: 22.39%
94
94th pctile
Net Interest Margin
Current: 5.27% · Tier avg: 3.85%
67
67th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.56%
54
54th pctile
Return on Assets
Current: 1.12% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
42
42th pctile
Total Loans
Current: $96.0M · Tier avg: $139.2M
40
40th pctile
Loan-to-Deposit Ratio
Current: 81.23% · Tier avg: 74.53%
35
35th pctile
Efficiency Ratio
Current: 71.91% · Tier avg: 67.73%
35
35th pctile
Total Deposits
Current: $118.2M · Tier avg: $183.7M
33
33th pctile
Total Assets
Current: $135.2M · Tier avg: $217.5M
31
31th pctile
Delinquency Rate
Current: 0.91% · Tier avg: 0.64%
30
30th pctile
Nonperforming Asset Ratio
Current: 0.64% · Tier avg: 0.45%
Top Weaknesses
30
30th pctile
Nonperforming Asset Ratio
Current: 0.64% · Tier avg: 0.45%
31
31th pctile
Delinquency Rate
Current: 0.91% · Tier avg: 0.64%
33
33th pctile
Total Assets
Current: $135.2M · Tier avg: $217.5M
35
35th pctile
Total Deposits
Current: $118.2M · Tier avg: $183.7M
35
35th pctile
Efficiency Ratio
Current: 71.91% · Tier avg: 67.73%
40
40th pctile
Loan-to-Deposit Ratio
Current: 81.23% · Tier avg: 74.53%
42
42th pctile
Total Loans
Current: $96.0M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
54
54th pctile
Return on Assets
Current: 1.12% · Tier avg: 1.08%
67
67th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.56%
94
94th pctile
Net Interest Margin
Current: 5.27% · Tier avg: 3.85%
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 61.63% · Tier avg: 22.39%