Evergreen Federal Bank (FDIC #28914): Bank Stress & Real-Estate Credit Exposure
Evergreen Federal Bank (FDIC Cert #28914): bank stress 63/100, elevated, STABLE over 7 days.
Evergreen Federal Bank (#28914) lends in 3 counties across 1 state; Evergreen Federal Bank (#28914) reaches 32 ZIP codes: Oregon 3 counties, 32 ZIPs.
Evergreen Federal Bank (#28914) largest markets: Jackson County, OR (54 branches, 18 ZIPs) (#28914), Josephine County, OR (22 branches, 11 ZIPs) (#28914), Curry County, OR (7 branches, 7 ZIPs) (#28914).
Evergreen Federal Bank (#28914) reports $621.6 million in total assets; Evergreen Federal Bank (#28914) equity $82.1 million (13.2% of Evergreen Federal Bank (#28914) assets); Evergreen Federal Bank (#28914) domestic deposits $536.6 million; Evergreen Federal Bank (#28914) net income $2.5 million; Evergreen Federal Bank (#28914) return on assets 0.81%; Evergreen Federal Bank (#28914) return on equity 6.24%; Evergreen Federal Bank (#28914) net interest income $11.2 million; Evergreen Federal Bank (#28914) call report June 30, 2026.
Evergreen Federal Bank (#28914) noncurrent real-estate loans 0.06% of its book; Evergreen Federal Bank (#28914) net charge-offs on real estate 0.63%; Evergreen Federal Bank (#28914) residential charge-offs 1.03%.
Evergreen Federal Bank (#28914) net interest margin 3.93% against an eight-quarter Evergreen Federal Bank (#28914) average of 3.56% (Evergreen Federal Bank (#28914) compression -0.37 points); Evergreen Federal Bank (#28914) real-estate loans 5.6% of equity; Evergreen Federal Bank (#28914) non-residential real estate 103.3% of equity; Evergreen Federal Bank (#28914) rate-exposure score 40/100, Evergreen Federal Bank (#28914) fixed-rate trap 40/100; Evergreen Federal Bank (#28914) risk type credit driven; Evergreen Federal Bank (#28914) rate regime rates elevated, Evergreen Federal Bank (#28914) snapshot October 19, 2026.
Evergreen Federal Bank (#28914) stress score held at 63 across 117 daily snapshots, June 22, 2026 to October 20, 2026.
Evergreen Federal Bank (#28914) alerts: 3 counties; top Evergreen Federal Bank (#28914) alert scores: Brookings County, OR 21 (low); Grants Pass County, OR 21 (low); Rogue River County, OR 21 (low).