Evergreen Federal Bank
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Data as of · sourced from FFIEC call reports. How we update
Evergreen Federal Bank is an FDIC-insured savings institution headquartered in Grants Pass, OR, established in 1934 (FDIC certificate 28914), and it is supervised by the OCC. At Q2 2026 it reported total assets of $621.6M, down 0.3% from Q2 2025, the 9th largest of 12 banks headquartered in Oregon. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.24% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 28914
- Headquarters
- Grants Pass, OR
- Established
- 1934
- Total assets, Q2 2026
- $621.6M
- Assets vs Q2 2025
- -0.3%
- Tier 1 leverage ratio, Q2 2026
- 13.24%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 323270274
- Latest call report
- Q2 2026, FFIEC 051 · Evergreen Federal Bank call report
- Asset rank in state
- 9th of 12 in Oregon
Evergreen Federal Bank, based in Grants Pass, Oregon, reported $622 million in assets at June 30, 2026. It pays an average of 1.20% on its deposits and borrowings, lower than about three-quarters of the 2,627 banks with $100 million to $1 billion in assets (median 1.80%). It also lost 1.3% of its deposits over the year, lower than about three-quarters of banks its size (median 4.1%).
Earnings jumped: net income for the quarter was $1.3 million, 40% above the same quarter a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.63% of loans, down from 0.91% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.3 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Evergreen Federal Bank reported a return on assets of 0.83%, a nonperforming-loan ratio of 0.63% and a Texas ratio of 3.71%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Evergreen Federal Bank is the 9th largest of the 12 banks headquartered in Oregon. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.0% to $621.6M, loans rose 1.6% and deposits fell 1.5%. 1-4 family residential loans made up 42.1% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 28.1%. Its 6 offices in the FDIC Summary of Deposits are in 5 cities in OR; its Grants Pass 2 offices book 67% of its branch deposits. On its Q2 2026 call report, Evergreen Federal Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 969 Se 6th St, Grants Pass, OR 97526
- County
- Josephine
- Metro Area
- Grants Pass, OR
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- —
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 1, 1934
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 92
- Domestic deposits
- $536.6M
- Allowance for credit losses
- $6.9M
- Net charge-offs (YTD)
- $135K
- Average total assets
- $625.1M
- Average total loans
- $490.2M
- Average interest-bearing deposits
- $483.3M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28914
- Fed RSSD
- 55970
- Website
- www.evergreenfederal.bank →
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, Evergreen Federal Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Evergreen Federal Bank's total assets moved between a low of $600.5M (Q3 2023) and a high of $628.3M (Q3 2025) 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
$621.6M total assets against $623.5M; $539.4M total liabilities against $546.6M.
$485.3M net loans and leases against $479.2M; $536.6M total deposits against $543.7M.
$39.1M securities against $50.7M; $50.4M cash and balances due against $46.2M.
$7.4M total interest income against $6.9M; $1.6M total interest expense against $1.9M.
$5.7M net interest income against $5.0M.
$409K total noninterest income against $409K; $4.1M total noninterest expense against $4.0M.
$129K provision for credit losses against $87K.
$1.3M net income against $929K.
0.83% return on assets against 0.60%; 3.94% net interest margin against 3.46%.
13.24% tier 1 leverage ratio against 12.65%.
Inside the full Evergreen Federal Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Evergreen Federal Bank rankings
Its closest position to the top of a national ranking is 1,510 of 4,196, for total assets; its furthest is 2,841 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.35% (Q4 2024) to 0.83% (Q2 2026) and its net interest margin ran from 3.34% (Q3 2024) to 3.94% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.24% | 0.83% | 0.63% | 3.71% | 3.94% |
| Q1 2026 | 13.06% | 0.78% | 0.71% | 4.15% | 3.78% |
| Q4 2025 | 12.82% | 0.61% | 0.86% | 4.86% | 3.58% |
| Q3 2025 | 12.61% | 0.60% | 0.80% | 4.58% | 3.50% |
| Q2 2025 | 12.65% | 0.60% | 0.91% | 5.30% | 3.46% |
| Q1 2025 | 12.75% | 0.55% | 0.72% | 4.29% | 3.47% |
| Q4 2024 | 12.64% | 0.35% | 0.72% | 4.41% | 3.37% |
| Q3 2024 | 12.58% | 0.56% | 0.55% | 3.36% | 3.34% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → 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 |
|---|---|---|---|
| Evergreen Federal Bank (main office) | Grants Pass , OR | 97526 | $276.3M |
| Grants Pass Branch | Grants Pass , OR | 97526 | $80.7M |
| 501 Crater Lake Avenue Branch | Medford , OR | 97504 | $58.4M |
| 850 Chetco Avenue Branch | Brookings , OR | 97415 | $44.5M |
| 101 Pine Street Branch | Rogue River , OR | 97537 | $43.9M |
| Ashland Branch | Ashland , OR | 97520 | $32.9M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action July 28, 2009. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.5% of deposits in OR, rank 19 of 33 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Mortgage lending (HMDA), SBA 7(a) lending, 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 Evergreen Federal Bank
What are Evergreen Federal Bank's total assets?
As of the Q2 2026 filing, Evergreen Federal Bank reported total assets of $621.6 million in its FFIEC call report.
Where is Evergreen Federal Bank headquartered?
It is headquartered in Grants Pass, OR, United States.
When was Evergreen Federal Bank founded?
It was established in 1934, per the FDIC institution directory.
Is Evergreen Federal Bank FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #28914). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Evergreen Federal Bank?
Evergreen Federal Bank's primary federal regulator is the OCC.
How many branches does Evergreen Federal Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Evergreen Federal Bank's Texas Ratio?
Its Texas Ratio is 3.71% 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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