Evergreen Federal Bank: Bank Stress & Real-Estate Credit Exposure

DLRadar scores Evergreen Federal Bank (FDIC Cert #28914) at 63/100 for bank stress — a elevated level of financial pressure. DLRadar builds the reading from the institution's federal call-report filings (capital, credit quality, earnings, real-estate exposure) and weights it by the markets it finances.

No bank is too small to score the same way: Evergreen Federal Bank runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 3-county, 32-ZIP profile means exactly what it would for any institution nationwide. A elevated score on a footprint this size means the markets Evergreen Federal Bank touches inherit a corresponding share of that lending pressure. Its lending reaches counties such as Jackson County, OR, Josephine County, OR, Curry County, OR, each tied back to DLRadar's distress signals. The DLRadar bank-stress score is a composite, not a single ratio: it weighs Evergreen Federal Bank's capital adequacy, asset quality, earnings and — most heavily — its real-estate loan concentration, then scales the result by where the bank actually lends, so two banks with identical headline financials can score differently based on the markets they finance. Rather than a standalone rating, the elevated score is tied to real markets — every one of the 32 ZIP codes Evergreen Federal Bank lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. Its footprint is compact and single-state: 32 ZIP codes in 3 counties over 1 states. It concentrates most in Oregon (3 counties). Seven-day momentum reads stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it.

For buyers, lender stress is an early map of supply: when Evergreen Federal Bank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. It is an early-warning read, flagging distress before it reaches the MLS.

Across the country DLRadar applies the identical model to every FDIC bank, then ties each institution to parcel-level foreclosure, lien and ownership data where it lends. The result is an early, auditable read on supply, every figure anchored to public data.