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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Evergreen, AL · FDIC certificate #49
BANK OF EVERGREEN is an FDIC-insured institution based in Evergreen, AL (FDIC certificate #49). In its Q3 2026 Call Report it reported total assets of $78M, total deposits of $69M and net loans of $33M. Its primary federal regulator is FDIC.
Plain-language readout
BANK OF EVERGREEN has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $78M in Q3 2026 and were lowest at $76M in Q1 2026.
Total deposits were highest at $69M in Q3 2026 and lowest at $67M in Q1 2026.
Over the whole period total assets rose 2.6%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $78M | $69M | $33M | 0.64% | 5.64% | 3.31% |
| Q2 2026 | $78M | $69M | $31M | 0.67% | 5.76% | 3.37% |
| Q1 2026 | $76M | $67M | $30M | 0.53% | 4.52% | 3.28% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $4.0M | $4.6M | -$639K | -13.9% |
| Federal funds sold | $2.2M | $1.1M | +$1.1M | +95.6% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $38.8M | $37.8M | +$940K | +2.5% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $30.9M | $30.4M | +$479K | +1.6% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $710K | $723K | -$13K | -1.8% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $1.6M | $1.5M | +$24K | +1.6% |
| Total assets | $78.1M | $76.2M | +$1.9M | +2.4% |
| Liabilities | ||||
| Total deposits | $68.6M | $67.0M | +$1.5M | +2.3% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $457K | $278K | +$179K | +64.4% |
| Total liabilities | $69.0M | $67.3M | +$1.7M | +2.5% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $100K | $100K | $0K | 0.0% |
| Surplus | $100K | $100K | $0K | 0.0% |
| Retained earnings | $10.8M | $10.6M | +$139K | +1.3% |
| Accumulated other comprehensive income | -$1.9M | -$1.9M | +$25K | +1.3% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $9.1M | $8.9M | +$164K | +1.8% |
| Credit and capital | ||||
| Gross nonperforming assets | $186K | $187K | -$1K | -0.5% |
| Adjusted nonperforming assets | $186K | $187K | -$1K | -0.5% |
| Tangible equity plus allowance | $9.6M | $9.4M | +$161K | +1.7% |
| Texas ratio (gross) | 1.94% | 1.98% | -0.04 pts | See points |
| Texas ratio (adjusted) | 1.94% | 1.98% | -0.04 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 3.38% | 3.47% | -0.09 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 14.25% | 14.12% | +0.12 pts | See points |
| Construction and land loans to total capital | 22.60% | 22.93% | -0.33 pts | See points |
| Commercial real estate to total capital | 68.16% | 70.49% | -2.33 pts | See points |
| Dividend payout, year to date | 7.72% | 0.00% | +7.72 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -22.30% | -22.87% | +0.57 pts | See points |
| Liquidity | ||||
| Core deposits | $57.1M | $56.3M | +$803K | +1.4% |
| Non-core funding | $11.5M | $10.8M | +$720K | +6.7% |
| Loans to core deposits | 55.04% | 54.98% | +0.06 pts | See points |
| Loans to deposits | 45.81% | 46.14% | -0.33 pts | See points |
| Brokered deposits share of deposits | 7.35% | 6.46% | +0.88 pts | See points |
| Pledged securities share of securities | 9.64% | 26.20% | -16.57 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $11.5M | $10.8M | +$720K | +6.7% |
| Earnings | ||||
| Earnings before provision, year to date | $365K | $153K | +$212K | +138.6% |
| Earnings before provision, single quarter | $212K | $153K | +$59K | +38.6% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 7.06% | 7.04% | +0.02 pts | See points |
| Yield on interest-bearing balances due from banks | 2.20% | 2.06% | +0.14 pts | See points |
| Total interest income to average assets | 4.40% | 4.26% | +0.15 pts | See points |
| Cost of interest-bearing transaction accounts | 0.13% | 0.12% | +0.01 pts | See points |
| Cost of savings and money market deposits | 0.17% | 0.15% | +0.02 pts | See points |
| Cost of time deposits | 3.37% | 3.44% | -0.07 pts | See points |
| Total interest expense to average assets | 1.08% | 1.14% | -0.06 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $78M | $69M | $33M | 0.64% | 5.64% | 3.31% |
| 2026-06-30 | $78M | $69M | $31M | 0.67% | 5.76% | 3.37% |
| 2026-03-31 | $76M | $67M | $30M | 0.53% | 4.52% | 3.28% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| AL | $66.9M | 0.05% | 120 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.