Evergreen Federal Bank: 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.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 5.02 percentage points higher than in Q1 2026, at 35.12%. On loan-to-deposit ratio, Evergreen Federal Bank ranks 3rd highest among the 12 banks headquartered in Oregon, at 91.73% (Q2 2026). Evergreen Federal Bank reported 91.73% on loan-to-deposit ratio for Q2 2026, 10.79 points above the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $492.3M |
| Net loans and leases | $485.3M |
| Loans held for sale | $0 |
| Loans to total assets | 79.20% |
| Loan-to-deposit ratio | 91.73% |
| Net loans to equity capital | 5.91% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 42.77% |
| Multifamily (5+ residential) | 8.14% |
| Commercial and industrial | 0.37% |
| Consumer | 0.22% |
| Credit cards | 0.00% |
| Farm | 0.04% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 233.77% |
| Construction concentration (Tier 1 capital + allowance) | 35.12% |
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 | 5.41% |
| Interest income on loans | $6.6M |
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 | $462.6M | $529.7M | 44.13% | 0.58% | 0.25% |
| Q4 2023 | $470.8M | $523.6M | 45.03% | 0.56% | 0.22% |
| Q1 2024 | $475.3M | $514.9M | 45.69% | 0.59% | 0.35% |
| Q2 2024 | $484.6M | $513.3M | 44.99% | 0.55% | 0.32% |
| Q3 2024 | $488.4M | $514.5M | 45.89% | 0.55% | 0.22% |
| Q4 2024 | $491.6M | $512.1M | 45.13% | 0.49% | 0.20% |
| Q1 2025 | $486.7M | $534.0M | 44.54% | 0.47% | 0.20% |
| Q2 2025 | $485.7M | $543.7M | 43.08% | 0.50% | 0.22% |
| Q3 2025 | $485.2M | $547.0M | 43.07% | 0.41% | 0.22% |
| Q4 2025 | $484.2M | $535.1M | 43.15% | 0.38% | 0.23% |
| Q1 2026 | $484.3M | $545.0M | 44.13% | 0.38% | 0.20% |
| Q2 2026 | $492.3M | $536.6M | 42.77% | 0.37% | 0.22% |
Evergreen Federal Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Evergreen Federal Bank, 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 Evergreen Federal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28914) · FFIEC NIC profile (RSSD 55970)