BlastPoint's Banking Scorecard
Bank of Evergreen
Micro
Specialty: Other
AL
FDIC cert 49
Designations: ✓ Community bank
Evergreen, AL
2498
banks in Micro tier nationally
65 in AL
View Micro leaderboard (AL) →
Bank of Evergreen faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 28.66% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$77.3M
-0.2% YoY
+1.2% QoQ
|
-$140.2M |
$217.5M
+2.3% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
15% |
| Total Loans ? |
$31.2M
+0.9% YoY
-2.5% QoQ
|
-$108.0M |
$139.2M
+2.8% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
Bottom 11% in tier |
| Total Deposits ? |
$68.0M
-0.5% YoY
+1.0% QoQ
|
-$115.7M |
$183.7M
+1.8% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
17% |
| Return on Assets ? |
0.74%
+53.4% YoY
+12.4% QoQ
|
-0.35% |
1.08%
+14.7% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
30% |
| Net Interest Margin ? |
3.25%
+11.5% YoY
-1.0% QoQ
|
-0.60% |
3.85%
+6.6% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
24% |
| Efficiency Ratio ? |
73.49%
-7.0% YoY
+0.1% QoQ
|
+5.76% |
67.73%
-4.8% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
32% |
| Delinquency Rate ? |
0.60%
+49.5% YoY
|
-0.04% |
0.64%
+24.4% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
41% |
| Loan-to-Deposit Ratio ? |
45.86%
+1.4% YoY
-3.5% QoQ
|
-28.66% |
74.53%
+0.5% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
33.58%
-6.6% YoY
+1.3% QoQ
|
+11.18% |
22.39%
-1.3% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
Top 14% in tier |
| Nonperforming Asset Ratio ? |
0.24%
+35.7% YoY
|
-0.21% |
0.45%
+25.1% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
53% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
6.46%
-12.3% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.36%
+21.8% YoY
+40.3% QoQ
|
-0.20% |
0.56%
+0.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
51% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 10%
in Micro
Why this stands out
Current:
45.86%
(Tier avg: 74.53%, National avg: 78.04%)
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
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 33.58% · Tier avg: 22.39%
53
53th pctile
Nonperforming Asset Ratio
Current: 0.24% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.56%
41
41th pctile
Delinquency Rate
Current: 0.60% · Tier avg: 0.64%
32
32th pctile
Efficiency Ratio
Current: 73.49% · Tier avg: 67.73%
30
30th pctile
Return on Assets
Current: 0.74% · Tier avg: 1.08%
24
24th pctile
Net Interest Margin
Current: 3.25% · Tier avg: 3.85%
17
17th pctile
Total Deposits
Current: $68.0M · Tier avg: $183.7M
15
15th pctile
Total Assets
Current: $77.3M · Tier avg: $217.5M
11
11th pctile
Total Loans
Current: $31.2M · Tier avg: $139.2M
10
10th pctile
Loan-to-Deposit Ratio
Current: 45.86% · Tier avg: 74.53%
Top Weaknesses
10
10th pctile
Loan-to-Deposit Ratio
Current: 45.86% · Tier avg: 74.53%
11
11th pctile
Total Loans
Current: $31.2M · Tier avg: $139.2M
15
15th pctile
Total Assets
Current: $77.3M · Tier avg: $217.5M
17
17th pctile
Total Deposits
Current: $68.0M · Tier avg: $183.7M
24
24th pctile
Net Interest Margin
Current: 3.25% · Tier avg: 3.85%
30
30th pctile
Return on Assets
Current: 0.74% · Tier avg: 1.08%
32
32th pctile
Efficiency Ratio
Current: 73.49% · Tier avg: 67.73%
41
41th pctile
Delinquency Rate
Current: 0.60% · Tier avg: 0.64%
51
51th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
53
53th pctile
Nonperforming Asset Ratio
Current: 0.24% · Tier avg: 0.45%
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 33.58% · Tier avg: 22.39%