Evergreen National Bank
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Data as of · sourced from FFIEC call reports. How we update
Evergreen National Bank is an FDIC-insured commercial bank headquartered in Evergreen, CO, established in 1981 (FDIC certificate 23404), and it is supervised by the OCC. At Q2 2026 it reported total assets of $139.9M, up 4.9% from Q2 2025, the 52nd largest of 63 banks headquartered in Colorado. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.54% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 23404
- Headquarters
- Evergreen, CO
- Established
- 1981
- Total assets, Q2 2026
- $139.9M
- Assets vs Q2 2025
- +4.9%
- Tier 1 leverage ratio, Q2 2026
- 13.54%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 107003861
- Latest call report
- Q2 2026, FFIEC 051 · Evergreen National Bank call report
- Holding company
- EVERGREEN BANCORPORATION
- Asset rank in state
- 52nd of 63 in Colorado
Evergreen National Bank earns an unusually wide margin on its lending. It reported $140 million in assets at June 30, 2026, up 4.9% from a year earlier. It keeps 5.71 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also pays an average of 0.56% on its deposits and borrowings, about a third the median of 1.80% for banks its size.
Its $10 million non-owner-occupied commercial real estate book is now fully current, after 2.36% of it was past due or on nonaccrual a year earlier. Loans are outrunning deposits: over the year loans rose 9.9% and deposits rose 3.9%. Costs are the weak spot: it spends about 72 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Evergreen National Bank reported a return on assets of 1.28%, a nonperforming-loan ratio of 0.09% and a Texas ratio of 0.51%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Evergreen National Bank is the 52nd largest of the 63 banks headquartered in Colorado. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 6.7% to $139.9M, loans rose 2.2% and deposits rose 7.3%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 38.8% of total loans, ahead of construction and land development loans at 25.1%. Its 3 offices in the FDIC Summary of Deposits are in Evergreen, CO and Georgetown, CO; its Evergreen 2 offices book 74% of its branch deposits. By the capital ratios in its Q2 2026 call report, Evergreen National Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 28145 Colorado Highway 74, Evergreen, CO 80439
- County
- Jefferson
- Metro Area
- Denver-Aurora-Centennial, CO
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 15, 1981
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 34
- Domestic deposits
- $122.0M
- Allowance for credit losses
- $1.1M
- Net charge-offs (YTD)
- $3K
- Average total assets
- $133.6M
- Average total loans
- $99.9M
- Average interest-bearing deposits
- $47.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 15, 1981
- FDIC Cert
- 23404
- Fed RSSD
- 427858
- Website
- WWW.ENBCOLORADO.COM →
- Parent Holding Company
- EVERGREEN BANCORPORATION (RSSD 1129627)
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 National Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Evergreen National Bank's total assets moved between a low of $125.9M (Q1 2024) and a high of $139.9M (Q2 2026) 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
$139.9M total assets against $133.4M; $122.4M total liabilities against $117.8M.
$98.9M net loans and leases against $90.0M; $122.0M total deposits against $117.5M.
$14.3M securities against $28.5M; $22.0M cash and balances due against $10.5M.
$2.0M total interest income against $1.8M; $162K total interest expense against $179K.
$1.8M net interest income against $1.6M.
$160K total noninterest income against $170K; $1.4M total noninterest expense against $1.3M.
$0 provision for credit losses against $0.
$426K net income against $395K.
1.28% return on assets against 1.19%; 5.71% net interest margin against 4.99%.
13.54% tier 1 leverage ratio against 12.59%.
Inside the full Evergreen National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeEvergreen National Bank rankings
Its closest position to the top of a national ranking is 1,821 of 3,611, for ROA; its furthest is 2,947 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.95% (Q1 2026) to 1.28% (Q2 2026) and its net interest margin ran from 4.88% (Q1 2025) to 5.71% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.54% | 1.28% | 0.09% | 0.51% | 5.71% |
| Q1 2026 | 13.30% | 0.95% | 0.29% | 1.55% | 5.69% |
| Q4 2025 | 12.89% | 0.99% | 0.90% | 4.91% | 5.40% |
| Q3 2025 | 12.60% | 1.25% | 0.39% | 2.08% | 5.25% |
| Q2 2025 | 12.59% | 1.19% | 0.14% | 0.75% | 4.99% |
| Q1 2025 | 12.08% | 1.09% | 0.32% | 1.80% | 4.88% |
| Q4 2024 | 11.95% | 1.01% | 0.00% | 0.00% | 4.94% |
| Q3 2024 | 11.79% | 1.03% | 0.00% | 0.00% | 5.08% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 National Bank (main office) | Evergreen , CO | 80439 | $68.1M |
| Georgetown Branch | Georgetown , CO | 80444 | $32.3M |
| Bergen Park Branch | Evergreen , CO | 80439 | $21.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 20, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 20, 2010 | Structure Change | Acquired Clear Creek National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- October 27, 2009, OCC: Formal Agreement: Evergreen National Bank
- Period: Most recent institution action October 27, 2009. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in CO, rank 91 of 121 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 26 applications, 17 loans originated, $12.1M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $60K approved, $60K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2004 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 National Bank
What are Evergreen National Bank's total assets?
As of the Q2 2026 filing, Evergreen National Bank reported total assets of $139.9 million in its FFIEC call report.
Where is Evergreen National Bank headquartered?
It is headquartered in Evergreen, CO, United States.
When was Evergreen National Bank founded?
It was established in 1981, per the FDIC institution directory.
Is Evergreen National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #23404). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Evergreen National Bank?
Evergreen National Bank's primary federal regulator is the OCC.
How many branches does Evergreen National Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Evergreen National Bank's Texas Ratio?
Its Texas Ratio is 0.51% 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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