Evergreen Federal Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The largest change between Q1 2026 and Q2 2026 was in Total interest expense, which fell 5.5% to $1.6M. Evergreen Federal Bank ranks 8th of 12 Oregon banks on net interest margin, in the lower half at 3.94% (Q2 2026). At 3.94%, Evergreen Federal Bank's net interest margin is close to the 3.95% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.05% |
| Yield on loans | 5.41% |
| Yield on securities | 2.67% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.20% |
| Cost of interest-bearing deposits | 1.34% |
| Cost of interest-bearing liabilities | 1.34% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.94% |
| Yield to cost spread | 3.71% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $6.6M |
| Total interest expense | $1.6M |
| Interest expense on deposits | $1.6M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.21% | 0.82% | 3.44% | 4.69% | 1.26% |
| Q4 2023 | 4.32% | 1.02% | 3.35% | 4.74% | 1.35% |
| Q1 2024 | 4.42% | 1.26% | 3.23% | 4.81% | 1.47% |
| Q2 2024 | 4.56% | 1.34% | 3.30% | 4.91% | 1.56% |
| Q3 2024 | 4.67% | 1.42% | 3.34% | 5.00% | 1.62% |
| Q4 2024 | 4.70% | 1.42% | 3.37% | 5.04% | 1.66% |
| Q1 2025 | 4.76% | 1.38% | 3.47% | 5.11% | 1.76% |
| Q2 2025 | 4.80% | 1.43% | 3.46% | 5.15% | 1.93% |
| Q3 2025 | 4.86% | 1.45% | 3.50% | 5.23% | 1.97% |
| Q4 2025 | 4.88% | 1.41% | 3.58% | 5.28% | 2.09% |
| Q1 2026 | 4.96% | 1.27% | 3.78% | 5.37% | 2.25% |
| Q2 2026 | 5.05% | 1.20% | 3.94% | 5.41% | 2.67% |
Evergreen Federal Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Evergreen Federal Bank, freeSource: Call Report Schedules RI and RC-K, 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)