BlastPoint's Banking Scorecard
Evergreen Federal Bank
Community
Specialty: Commercial
OR
FDIC cert 28914
Designations: ✓ Mutual
Grants Pass, OR
1484
banks in Community tier nationally
8 in OR
View Community leaderboard (OR) →
Evergreen Federal Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 19% in Community
- - Capital Thin: Bottom 20% in Community
- - Non-Interest-Bearing Deposit Share 12.39% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$617.2M
+0.9% YoY
-1.8% QoQ
|
-$774.2M |
$1.4B
+2.0% YoY
|
$5.8B
+35.0% YoY
|
$5.9B
+6.5% YoY
|
17% |
| Total Loans ? |
$477.4M
-1.6% YoY
-0.2% QoQ
|
-$498.1M |
$975.5M
+2.4% YoY
|
$4.1B
+33.3% YoY
|
$3.1B
+8.5% YoY
|
27% |
| Total Deposits ? |
$535.1M
+4.5% YoY
-2.2% QoQ
|
-$629.6M |
$1.2B
+1.7% YoY
|
$4.7B
+35.4% YoY
|
$4.7B
+6.3% YoY
|
19% |
| Return on Assets ? |
0.59%
+54.1% YoY
+1.4% QoQ
|
-0.57% |
1.16%
+17.2% YoY
|
0.97%
+23.1% YoY
|
1.12%
+15.6% YoY
|
Bottom 15% in tier |
| Net Interest Margin ? |
3.56%
+6.9% YoY
+1.2% QoQ
|
-0.10% |
3.66%
+9.1% YoY
|
3.91%
+8.6% YoY
|
3.75%
+7.1% YoY
|
45% |
| Efficiency Ratio ? |
75.59%
-5.0% YoY
-0.2% QoQ
|
+12.96% |
62.63%
-5.3% YoY
|
69.38%
-5.2% YoY
|
65.09%
-5.1% YoY
|
16% |
| Delinquency Rate ? |
0.88%
+19.7% YoY
+8.1% QoQ
|
+0.25% |
0.63%
+18.3% YoY
|
0.44%
+26.5% YoY
|
0.66%
+20.3% YoY
|
30% |
| Loan-to-Deposit Ratio ? |
89.22%
-5.8% YoY
+2.0% QoQ
|
+6.16% |
83.06%
+0.3% YoY
|
78.09%
-1.5% YoY
|
78.04%
+0.7% YoY
|
37% |
| Non-Interest-Bearing Deposit Share ? |
8.66%
-15.7% YoY
-13.7% QoQ
|
-12.39% |
21.05%
-0.9% YoY
|
23.36%
-7.5% YoY
|
21.79%
-1.3% YoY
|
Bottom 8% in tier |
| Nonperforming Asset Ratio ? |
0.68%
+16.8% YoY
+9.8% QoQ
|
+0.18% |
0.50%
+20.3% YoY
|
0.42%
+67.0% YoY
|
0.48%
+20.8% YoY
|
30% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
8.96%
-3.7% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.26%
+2.3% YoY
+37.6% QoQ
|
-0.48% |
0.74%
-1.3% YoY
|
0.64%
+1.9% YoY
|
0.65%
+0.6% YoY
|
17% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Flatlined Growth
risk
#48 of 245 · Bottom 19% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.59%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Capital Thin
risk
#86 of 432 · Bottom 20% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Non-Interest-Bearing Deposit Share
metric
Bottom 8%
in Community
Why this stands out
Current:
8.66%
(Tier avg: 21.05%, National avg: 21.79%)
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
45
45th pctile
Net Interest Margin
Current: 3.56% · Tier avg: 3.66%
37
37th pctile
Loan-to-Deposit Ratio
Current: 89.22% · Tier avg: 83.06%
30
30th pctile
Nonperforming Asset Ratio
Current: 0.68% · Tier avg: 0.50%
30
30th pctile
Delinquency Rate
Current: 0.88% · Tier avg: 0.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
27
27th pctile
Total Loans
Current: $477.4M · Tier avg: $975.5M
19
19th pctile
Total Deposits
Current: $535.1M · Tier avg: $1.2B
17
17th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.74%
17
17th pctile
Total Assets
Current: $617.2M · Tier avg: $1.4B
16
16th pctile
Efficiency Ratio
Current: 75.59% · Tier avg: 62.63%
15
15th pctile
Return on Assets
Current: 0.59% · Tier avg: 1.16%
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 8.66% · Tier avg: 21.05%
Top Weaknesses
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 8.66% · Tier avg: 21.05%
15
15th pctile
Return on Assets
Current: 0.59% · Tier avg: 1.16%
16
16th pctile
Efficiency Ratio
Current: 75.59% · Tier avg: 62.63%
17
17th pctile
Total Assets
Current: $617.2M · Tier avg: $1.4B
17
17th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.74%
19
19th pctile
Total Deposits
Current: $535.1M · Tier avg: $1.2B
27
27th pctile
Total Loans
Current: $477.4M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
30
30th pctile
Delinquency Rate
Current: 0.88% · Tier avg: 0.63%
30
30th pctile
Nonperforming Asset Ratio
Current: 0.68% · Tier avg: 0.50%
37
37th pctile
Loan-to-Deposit Ratio
Current: 89.22% · Tier avg: 83.06%
45
45th pctile
Net Interest Margin
Current: 3.56% · Tier avg: 3.66%