Bank of Evergreen: how it compares with its peers
Against 20 AL banks with half to twice its assets, Bank of Evergreen's strongest measure in Q2 2026 is assets per employee ($6.5M vs. a $4.6M peer median). Its weakest relative measure is net interest margin (3.37% vs. 3.73%).
| Measure | Bank of Evergreen | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.67% | 0.84% | Middle third Ahead of 35% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.37% | 3.73% | Bottom third Ahead of 30% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 73.78% | 73.87% | Middle third Ahead of 50% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.5M | $4.6M | Top third Ahead of 75% of peers |
| Loans to deposits Net loans and leases over total deposits. | 45.08% | 51.15% | Context |
What it means for lending operations
Its efficiency ratio of 73.78% is better than the 73.87% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Commonwealth National Bank Mobile, AL · $79M
- Nova Bank Huntsville, AL · $91M
- Bank47 Huntsville, AL · $97M
- The Farmers & Merchants Bank Waterloo, AL · $98M
- Bank of Walker County Jasper, AL · $99M
- Peoples Exchange Bank Monroeville, AL · $99M
Questions about Bank of Evergreen
How big is Bank of Evergreen?
Bank of Evergreen, established in 1932, is headquartered in Evergreen, AL. It reported $78M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Bank of Evergreen's return on assets?
0.67% annualized in Q2 2026, against a 0.84% median for 20 AL banks with half to twice its assets, ahead of 35% of them.
What is Bank of Evergreen's efficiency ratio?
73.78% in Q2 2026: it spent about 74 cents in noninterest expense for each dollar of revenue. The peer median is 73.87%, and lower is better.
Is Bank of Evergreen growing its loans?
Net loans shrank 3.4% over the year to Q2 2026, while deposits grew 2.5%.
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 AL 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 Alabama bank ranked.