Evergreen Federal Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Loans and leases to core deposits: 3.89 percentage points higher than in Q1 2026, at 102.20%. On loan-to-deposit ratio, Evergreen Federal Bank ranks 3rd highest among the 12 banks headquartered in Oregon, at 91.73% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Evergreen Federal Bank sits 10.79 points higher, at 91.73% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $50.4M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $89.6M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.73% |
| Net loans and leases to deposits | 90.44% |
| Loans and leases to core deposits | 102.20% |
| Core deposits to total deposits | 89.75% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 87.32% | 95.04% | $0 | $600K |
| Q4 2023 | 89.90% | 94.29% | $0 | $9.6M |
| Q1 2024 | 92.30% | 93.80% | $0 | $20.6M |
| Q2 2024 | 94.41% | 93.79% | $0 | $22.6M |
| Q3 2024 | 94.93% | 93.25% | $0 | $20.4M |
| Q4 2024 | 96.01% | 92.57% | $0 | $23.8M |
| Q1 2025 | 91.14% | 91.35% | $0 | $200K |
| Q2 2025 | 89.33% | 90.16% | $0 | $200K |
| Q3 2025 | 88.71% | 89.38% | $0 | $200K |
| Q4 2025 | 90.49% | 89.64% | $0 | $200K |
| Q1 2026 | 88.88% | 90.40% | $0 | $0 |
| Q2 2026 | 91.73% | 89.75% | $0 | $0 |
Evergreen Federal Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Evergreen Federal Bank, freeSource: Call Report Schedules RC and RC-M, 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 Evergreen Federal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28914) · FFIEC NIC profile (RSSD 55970)