Evergreen National Bank: how it compares with its peers
Against 22 CO banks with half to twice its assets, Evergreen National Bank's strongest measure in Q2 2026 is net interest margin (5.76% vs. a 4.10% peer median). Its weakest relative measure is assets per employee ($4.1M vs. $6.2M).
| Measure | Evergreen National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.09% | 0.86% | Top third Ahead of 68% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.76% | 4.10% | Top third Ahead of 100% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 71.45% | 68.17% | Middle third Ahead of 45% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.1M | $6.2M | Bottom third Ahead of 9% of peers |
| Loans to deposits Net loans and leases over total deposits. | 81.10% | 77.01% | Context |
What it means for lending operations
Its efficiency ratio of 71.45% is above the 68.17% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- RG Bank, A Savings and Loan Association Monte Vista, CO · $137M
- Rocky Mountain Bank & Trust Florence, CO · $127M
- Fowler State Bank Fowler, CO · $155M
- Del Norte Bank Del Norte, CO · $155M
- First National Bank, Cortez Cortez, CO · $157M
- Park State Bank & Trust Woodland Park, CO · $162M
Questions about Evergreen National Bank
How big is Evergreen National Bank?
Evergreen National Bank, established in 1981, is headquartered in Evergreen, CO. It reported $140M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Evergreen National Bank's return on assets?
1.09% annualized in Q2 2026, against a 0.86% median for 22 CO banks with half to twice its assets, ahead of 68% of them.
What is Evergreen National Bank's efficiency ratio?
71.45% in Q2 2026: it spent about 71 cents in noninterest expense for each dollar of revenue. The peer median is 68.17%, and lower is better.
Is Evergreen National Bank growing its loans?
Net loans grew 9.9% over the year to Q2 2026, while deposits grew 3.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are CO banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Colorado bank ranked.