Bank of Evergreen
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Data as of · sourced from FFIEC call reports. How we update
Bank of Evergreen is an FDIC-insured commercial bank headquartered in Evergreen, AL, established in 1932 (FDIC certificate 49), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $78.1M, up 4.1% from Q2 2025, the 88th largest of 93 banks headquartered in Alabama. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.25% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 49
- Headquarters
- Evergreen, AL
- Established
- 1932
- Total assets, Q2 2026
- $78.1M
- Assets vs Q2 2025
- +4.1%
- Tier 1 leverage ratio, Q2 2026
- 14.25%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 062105532
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Evergreen call report
- Asset rank in state
- 88th of 93 in Alabama
Problem loans are rising at Bank of Evergreen. Its balance sheet stood at $78 million at June 30, 2026, up 4.1% from a year earlier; it is based in Evergreen, Alabama. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.59% of loans from 0.00% a year earlier. It shrank its loan book 3.4% over the year, lower than about three-quarters of the 583 banks with less than $100 million in assets (median 2.6%).
Earnings jumped: net income for the quarter was $158,000, 70% above the same quarter a year earlier. Over the same year, loans shrank 3.4% and deposits grew 2.5%.
As of June 30, 2026, Bank of Evergreen reported a return on assets of 0.82%, a nonperforming-loan ratio of 0.59% and a Texas ratio of 1.94%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Bank of Evergreen is the 88th largest of the 93 banks headquartered in Alabama. Between Q1 2026 and Q2 2026, its total assets rose 2.4% to $78.1M, loans rose 1.5% and deposits rose 2.3%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 30.9% of total loans, ahead of commercial and industrial loans at 22.8%. Its one office in the FDIC Summary of Deposits is in Evergreen, AL. By the capital ratios in its Q2 2026 call report, Bank of Evergreen meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 146 W Front St, Evergreen, AL 36401
- County
- Conecuh
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 1, 1932
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 12
- Domestic deposits
- $68.6M
- Allowance for credit losses
- $503K
- Net charge-offs (YTD)
- $11K
- Average total assets
- $77.0M
- Average total loans
- $30.7M
- Average interest-bearing deposits
- $44.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 49
- Fed RSSD
- 560438
- Website
- www.thebankofevergreen.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Bank of Evergreen reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Bank of Evergreen's total assets moved between a low of $70.7M (Q3 2023) and a high of $79.8M (Q3 2024) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$78.1M total assets against $75.0M; $69.0M total liabilities against $67.3M.
$30.9M net loans and leases against $32.0M; $68.6M total deposits against $66.9M.
$38.8M securities against $32.3M; $6.2M cash and balances due against $8.2M.
$848K total interest income against $812K; $208K total interest expense against $235K.
$640K net interest income against $577K.
$82K total noninterest income against $62K; $510K total noninterest expense against $491K.
$0 provision for credit losses against $15K.
$158K net income against $93K.
0.82% return on assets against 0.50%; 3.68% net interest margin against 3.38%.
14.25% tier 1 leverage ratio against 13.79%.
Inside the full Bank of Evergreen terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.48% (Q3 2024) to 0.98% (Q4 2025) and its net interest margin ran from 2.80% (Q3 2024) to 3.68% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.25% | 0.82% | 0.59% | 1.94% | 3.68% |
| Q1 2026 | 14.12% | 0.53% | 0.60% | 1.98% | 3.51% |
| Q4 2025 | 13.97% | 0.98% | 0.59% | 1.97% | 3.34% |
| Q3 2025 | 13.75% | 0.80% | 0.00% | 0.00% | 3.57% |
| Q2 2025 | 13.79% | 0.50% | 0.00% | 0.06% | 3.38% |
| Q1 2025 | 13.62% | 0.68% | 0.18% | 0.69% | 3.38% |
| Q4 2024 | 12.85% | 0.74% | 0.39% | 1.80% | 3.37% |
| Q3 2024 | 12.07% | 0.48% | 0.74% | 4.32% | 2.80% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Evergreen (main office) | Evergreen , AL | 36401 | $68.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in AL, rank 119 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $254K approved, $254K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1996 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bank of Evergreen
What are Bank of Evergreen's total assets?
As of the Q2 2026 filing, Bank of Evergreen reported total assets of $78.1 million in its FFIEC call report.
Where is Bank of Evergreen headquartered?
It is headquartered in Evergreen, AL, United States.
When was Bank of Evergreen founded?
It was established in 1932, per the FDIC institution directory.
Is Bank of Evergreen FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #49). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Evergreen?
Bank of Evergreen's primary federal regulator is the FDIC.
How many branches does Bank of Evergreen operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Evergreen's Texas Ratio?
Its Texas Ratio is 1.94% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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