Bank of Evergreen: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 2.33 percentage points in Q2 2026, from 70.49% to 68.16%. It was the largest change from Q1 2026 among the key lines here. Bank of Evergreen ranks 83rd of 93 Alabama banks on loan-to-deposit ratio, in the lower half at 45.81% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Bank of Evergreen sits 21.82 points lower, at 45.81% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $31.4M |
| Net loans and leases | $30.9M |
| Loans held for sale | $0 |
| Loans to total assets | 40.21% |
| Loan-to-deposit ratio | 45.81% |
| Net loans to equity capital | 3.40% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 28.07% |
| Multifamily (5+ residential) | 1.23% |
| Commercial and industrial | 22.83% |
| Consumer | 6.54% |
| Credit cards | 0.00% |
| Farm | 2.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 68.16% |
| Construction concentration (Tier 1 capital + allowance) | 22.60% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.06% |
| Interest income on loans | $542K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $24.1M | $63.3M | 17.87% | 25.10% | 8.68% |
| Q4 2023 | $26.5M | $66.7M | 19.14% | 22.54% | 8.24% |
| Q1 2024 | $26.9M | $67.9M | 18.77% | 18.32% | 7.92% |
| Q2 2024 | $31.3M | $67.8M | 27.90% | 17.65% | 7.09% |
| Q3 2024 | $31.0M | $68.8M | 27.43% | 19.17% | 6.77% |
| Q4 2024 | $31.4M | $68.4M | 28.21% | 18.39% | 6.94% |
| Q1 2025 | $30.9M | $67.2M | 28.88% | 18.86% | 6.65% |
| Q2 2025 | $32.5M | $66.9M | 27.03% | 18.82% | 6.73% |
| Q3 2025 | $32.5M | $67.4M | 28.30% | 19.84% | 6.57% |
| Q4 2025 | $31.7M | $68.0M | 28.21% | 18.61% | 7.07% |
| Q1 2026 | $30.9M | $67.0M | 28.74% | 20.94% | 6.84% |
| Q2 2026 | $31.4M | $68.6M | 28.07% | 22.83% | 6.54% |
Bank of Evergreen loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Evergreen, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of Evergreen profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 49) · FFIEC NIC profile (RSSD 560438)