Loading bank profile
Data through Q3 2026 · 4,200 institutions
Regulatory profile
Grants Pass, OR · FDIC certificate #28914
EVERGREEN FEDERAL BANK is an FDIC-insured institution based in Grants Pass, OR (FDIC certificate #28914). In its Q3 2026 Call Report it reported total assets of $645M, total deposits of $559M and net loans of $493M. Its primary federal regulator is OCC.
Plain-language readout
EVERGREEN FEDERAL BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $645M in Q3 2026 and were lowest at $622M in Q2 2026.
Total deposits were highest at $559M in Q3 2026 and lowest at $537M in Q2 2026.
Over the whole period total assets rose 2.7%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $645M | $559M | $493M | 0.78% | 6.03% | 3.96% |
| Q2 2026 | $622M | $537M | $485M | 0.81% | 6.24% | 3.93% |
| Q1 2026 | $628M | $545M | $478M | 0.78% | 6.11% | 3.84% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $50.4M | $62.5M | -$12.1M | -19.3% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| 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) | $39.1M | $41.1M | -$2.0M | -4.8% |
| 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) | $485.3M | $477.6M | +$7.8M | +1.6% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $21.9M | $22.1M | -$146K | -0.7% |
| Other real estate owned | $203K | $203K | $0K | 0.0% |
| 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) | $23K | $28K | -$5K | -17.9% |
| All other assets | $24.5M | $24.6M | -$152K | -0.6% |
| Total assets | $621.6M | $628.1M | -$6.6M | -1.0% |
| Liabilities | ||||
| Total deposits | $536.6M | $545.0M | -$8.3M | -1.5% |
| 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 | $2.8M | $2.4M | +$441K | +18.8% |
| Total liabilities | $539.4M | $547.3M | -$7.9M | -1.4% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $0K | $0K | $0K | n/a |
| Surplus | $0K | $0K | $0K | n/a |
| Retained earnings | $82.8M | $81.5M | +$1.3M | +1.6% |
| Accumulated other comprehensive income | -$635K | -$673K | +$38K | +5.6% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $82.1M | $80.8M | +$1.3M | +1.7% |
| Credit and capital | ||||
| Gross nonperforming assets | $3.3M | $3.6M | -$330K | -9.1% |
| Adjusted nonperforming assets | $3.3M | $3.6M | -$330K | -9.1% |
| Tangible equity plus allowance | $89.0M | $87.5M | +$1.5M | +1.7% |
| Texas ratio (gross) | 3.71% | 4.15% | -0.44 pts | See points |
| Texas ratio (adjusted) | 3.71% | 4.15% | -0.44 pts | See points |
| Texas ratio (adjusted, with performing restructured) | Not reported | Not reported | Not reported | 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) | 13.24% | 13.06% | +0.18 pts | See points |
| Construction and land loans to total capital | 35.12% | 30.09% | +5.02 pts | See points |
| Commercial real estate to total capital | 233.77% | 233.57% | +0.19 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -1.05% | -1.13% | +0.08 pts | See points |
| Liquidity | ||||
| Core deposits | $481.7M | $492.6M | -$11.0M | -2.2% |
| Non-core funding | $55.0M | $52.3M | +$2.6M | +5.1% |
| Loans to core deposits | 102.20% | 98.32% | +3.89 pts | See points |
| Loans to deposits | 91.73% | 88.88% | +2.86 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 10.05% | 12.00% | -1.95 pts | See points |
| Loans pledged, share of loans | 99.98% | 99.97% | +0.01 pts | See points |
| Volatile liabilities | $55.0M | $52.3M | +$2.6M | +5.1% |
| Earnings | ||||
| Earnings before provision, year to date | $4.2M | $2.2M | +$2.1M | +94.9% |
| Earnings before provision, single quarter | $2.1M | $2.2M | -$110K | -5.1% |
| Provision for credit losses, year to date | $260K | $131K | +$129K | +98.5% |
| Yield and cost | ||||
| Yield on loans and leases | 5.41% | 5.37% | +0.04 pts | See points |
| Yield on interest-bearing balances due from banks | 3.51% | 3.51% | -0.00 pts | See points |
| Total interest income to average assets | 4.71% | 4.62% | +0.09 pts | See points |
| Cost of interest-bearing transaction accounts | 0.63% | 0.59% | +0.05 pts | See points |
| Cost of savings and money market deposits | 0.27% | 0.28% | -0.01 pts | See points |
| Cost of time deposits | 3.23% | 3.44% | -0.21 pts | See points |
| Total interest expense to average assets | 1.04% | 1.10% | -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 | $645M | $559M | $493M | 0.78% | 6.03% | 3.96% |
| 2026-06-30 | $622M | $537M | $485M | 0.81% | 6.24% | 3.93% |
| 2026-03-31 | $628M | $545M | $478M | 0.78% | 6.11% | 3.84% |
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 |
|---|---|---|---|---|
| OR | $543.7M | 0.53% | 19 | Continuing · +0.03 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.