BANK OF EVERGREEN

EVERGREEN, AL | Micro | Est. Sept. 1, 1932, midnight | FDIC #49 | RSSD #560438 | FDIC
Latest Report: 2025-12-31

BANK OF EVERGREEN is amn micro FDIC-insured commercial bank headquartered in EVERGREEN, AL, established in Sept. 1, 1932, midnight. As of 2025-12-31, the bank reported total assets of $77M and total deposits of $68M. Profitability stands at 0.98% ROA and 8.60% ROE, with a net interest margin of 3.26%. The bank's CET1 capital ratio is 11.60%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.58% and a Texas Ratio of 1.95%. FDIC Certificate #49.

Assets

$77M

Deposits

$68M

Loans

$32M

Equity

$9M

Profitability

Return on Assets (ROA) 0.98%
Return on Equity (ROE) 8.60%
Net Interest Margin (NIM) 3.26%
Yield on Assets 4.58%
Cost of Funds 2.06%

Asset Quality

NPL Ratio 0.58%
Net Charge-Off Ratio 0.06%
Texas Ratio 1.95%
NPA Ratio 0.24%
ACL / Loans 1.62%

Capital & Liquidity

CET1 Ratio 11.60%
Tier 1 Capital 11.60%
Total Capital Ratio 12.18%
Leverage Ratio 13.97%
Loan-to-Deposit 46.62%

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