Bank Comparison
Evergreen Federal Bank vs Fairfield National Bank, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
19 · 1
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Evergreen Federal Bank | Fairfield National Bank, the |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 13.06% | 12.25% |
| Equity / Assets | 12.86% | 10.52% |
Profitability
| Metric | Evergreen Federal Bank | Fairfield National Bank, the |
|---|---|---|
| Return on Assets (ROA) | 0.78% | 0.64% |
| Return on Equity (ROE) | 6.11% | 6.37% |
| Net Interest Margin (NIM) | 3.78% | 2.55% |
| Yield on Earning Assets | 4.96% | 4.53% |
| Cost of Funds | 1.27% | 2.15% |
Asset quality
| Metric | Evergreen Federal Bank | Fairfield National Bank, the |
|---|---|---|
| Texas Ratio | 4.15% | 9.03% |
| Non-Performing Loan Ratio | 0.71% | 1.69% |
| Non-Performing Asset Ratio | 0.58% | 0.76% |
| Net Charge-Off Ratio | 0.11% | 0.49% |
| ACL / Loans | 1.40% | 1.22% |
Balance sheet
| Metric | Evergreen Federal Bank | Fairfield National Bank, the |
|---|---|---|
| Total Assets | $628,107K | $627,517K |
| Total Deposits | $544,962K | $423,894K |
| Total Loans | $484,336K | $280,643K |
| Total Equity | $80,794K | $66,023K |
| Net Income (quarter) | $1,222K | $1,036K |
Liquidity & funding
| Metric | Evergreen Federal Bank | Fairfield National Bank, the |
|---|---|---|
| Loan-to-Deposit Ratio | 88.88% | 66.21% |
| Core Deposit Ratio | 90.40% | 88.47% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Evergreen Federal Bank | Fairfield National Bank, the |
|---|---|---|
| Headquarters City | GRANTS PASS | FAIRFIELD |
| Headquarters State | OR | IL |
| Asset Tier | Medium | Medium |
| Charter Class | 702610 | 6609 |
| Regulator | OCC | OCC |
| Domestic Branches | 6 | 3 |
| Employees (FTE) | 87 | 75 |
| Established | June 1, 1934, midnight | Feb. 3, 1903, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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