Evergreen National 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.
Construction concentration (tier 1 capital + allowance) climbed 5.38 percentage points in Q2 2026, from 125.48% to 130.86%. It was the largest change from Q1 2026 among the key lines here. Within Colorado, Evergreen National Bank is 31st of 63 on loan-to-deposit ratio, 82.02% as of Q2 2026, above the middle of the field. At 82.02%, Evergreen National Bank's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $100.1M |
| Net loans and leases | $98.9M |
| Loans held for sale | $0 |
| Loans to total assets | 71.51% |
| Loan-to-deposit ratio | 82.02% |
| Net loans to equity capital | 5.64% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 30.80% |
| Multifamily (5+ residential) | 2.38% |
| Commercial and industrial | 2.44% |
| Consumer | 0.40% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 196.29% |
| Construction concentration (Tier 1 capital + allowance) | 130.86% |
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 | 7.26% |
| Interest income on loans | $1.8M |
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 | $76.6M | $125.1M | 35.08% | 5.17% | 0.62% |
| Q4 2023 | $78.6M | $119.9M | 34.38% | 5.42% | 0.64% |
| Q1 2024 | $81.3M | $113.0M | 33.91% | 5.54% | 0.55% |
| Q2 2024 | $86.4M | $117.5M | 31.91% | 5.67% | 0.52% |
| Q3 2024 | $90.0M | $119.2M | 31.65% | 3.69% | 0.53% |
| Q4 2024 | $86.6M | $122.9M | 34.06% | 2.96% | 0.61% |
| Q1 2025 | $89.9M | $121.7M | 32.35% | 3.84% | 0.52% |
| Q2 2025 | $91.0M | $117.5M | 32.66% | 3.83% | 0.42% |
| Q3 2025 | $90.8M | $118.9M | 33.72% | 1.54% | 0.44% |
| Q4 2025 | $97.0M | $118.2M | 31.52% | 1.83% | 0.42% |
| Q1 2026 | $97.9M | $113.7M | 31.89% | 2.12% | 0.40% |
| Q2 2026 | $100.1M | $122.0M | 30.80% | 2.44% | 0.40% |
Evergreen National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Evergreen National 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23404) · FFIEC NIC profile (RSSD 427858)