TellerScore

Headquartered in Evergreen, Alabama, Bank of Evergreen is a state-chartered bank with $78.1M in total assets and $68.6M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1932.

Bank of Evergreen has a TellerScore of 81 out of 100 (strong) based on Q2 2026 data — higher than 68% of its 546 banks with under $100 million in assets. Among 93 banks headquartered in Alabama, it ranks 21st. Problem-loan coverage contributes the most (96/100, 1.9%); earnings contributes the least (47/100, 0.67%).

TellerScore · Q2 2026

Scorecard

Capital cushion92/100
Tier 1 leverage ratio: 14.25%
Loan quality80/100
Noncurrent loans ÷ total loans: 0.59%
Earnings47/100
Return on assets (annualized): 0.67%
Funding & liquidity93/100
Loans ÷ deposits and uninsured-deposit share: 45.1% · 21.6% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.94%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 4 points (85 → 81), mostly because the loan quality component weakened by 20 points.

TellerScore
707885Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202471
Q3 202470
Q4 202477
Q1 202583
Q2 202585
Q3 202585
Q4 202581
Q1 202679
Q2 202681
Tier 1 leverage ratio
5.00%9.62%14.25%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.24%
Q3 202412.07%
Q4 202412.85%
Q1 202513.62%
Q2 202513.79%
Q3 202513.75%
Q4 202513.97%
Q1 202614.12%
Q2 202614.25%
Noncurrent loans
0.00%0.46%0.92%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.92%
Q3 20240.74%
Q4 20240.39%
Q1 20250.18%
Q2 20250.00%
Q3 20250.00%
Q4 20250.59%
Q1 20260.60%
Q2 20260.59%
Return on assets
0.33%0.53%0.74%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.33%
Q3 20240.39%
Q4 20240.48%
Q1 20250.67%
Q2 20250.58%
Q3 20250.65%
Q4 20250.74%
Q1 20260.53%
Q2 20260.67%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$78.1M14.25%0.59%0.67%45.1%
Q1 202679$76.2M14.12%0.60%0.53%45.4%
Q4 202581$77.3M13.97%0.59%0.74%45.9%
Q3 202585$76.4M13.75%0.00%0.65%47.5%
Q2 202585$75.0M13.79%0.00%0.58%47.8%
Q1 202583$76.0M13.62%0.18%0.67%45.3%
Q4 202477$77.4M12.85%0.39%0.48%45.2%
Q3 202470$79.8M12.07%0.74%0.39%44.3%
Q2 202471$77.7M13.24%0.92%0.33%45.3%

546 peers · Under $100 million in assets

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio14.25%
65th
Total risk-based capital0.00%
27th
Problem loans0.59%
44th
Net charge-offs0.07%
21st
Return on assets0.67%
34th
Net interest margin3.37%
26th
Efficiency ratio73.8%
44th
Loans to deposits45.1%
75th
Uninsured deposits21.6%
30th
Loan-loss reserves1.60%
74th
Texas ratio1.9%
50th

Similar-size banks in Alabama

InstitutionScoreAssetsCapitalProblem loansCompare
Commonwealth National BankBank Mobile, AL45 out of 100, Below average$78.5M13.7%4.31%vs
Nova BankBank Huntsville, AL82 out of 100, Strong$91.2M28.1%0.00%vs
Bank47Bank Huntsville, AL69 out of 100, Moderate$97.0M13.0%0.18%vs
The Farmers & Merchants BankBank Waterloo, AL75 out of 100, Strong$98.3M17.0%1.33%vs
Bank of Walker CountyBank Jasper, AL75 out of 100, Strong$98.5M11.2%0.46%vs
Peoples Exchange BankBank Monroeville, AL64 out of 100, Moderate$98.6M13.5%2.44%vs

Deposit insurance

Is my money safe at Bank of Evergreen?

Yes. Bank of Evergreen is an FDIC-insured institution (FDIC certificate #49). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 21.6% of deposits ($14.8M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 14.25%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Bank of Evergreen lists 1 office in 1 city. Most locations:

  • Evergreen, AL (1)

All branch addresses and map

Identity & history

Profile

Legal name
Bank of Evergreen
Type
State-chartered bank
FDIC certificate #
49
RSSD ID
560438
Primary regulator
FDIC
Established
September 1, 1932
Headquarters
146 W Front St, Evergreen, AL 36401
Employees
12

Quick answers

Bank of Evergreen: common questions

Is Bank of Evergreen FDIC insured?

Yes. Bank of Evergreen is an FDIC-insured institution (FDIC certificate #49). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bank of Evergreen's TellerScore?

81 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Bank of Evergreen ever failed?

There is no failure record for FDIC certificate #49 in the FDIC failed bank list.

How many branches does Bank of Evergreen have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Evergreen

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of BrewtonBank Brewton, AL93 out of 100, Very strong$49.6M20.6%0.00%vs
United BankBank Atmore, AL74 out of 100, Strong$1.5B15.8%1.35%vs
The First National Bank and TrustBank Atmore, AL74 out of 100, Strong$238.6M11.5%0.10%vs
Gulf Winds Credit UnionCredit union Pensacola, FL69 out of 100, Moderate$1.4B9.9%0.44%vs
Regions BankBank Birmingham, AL64 out of 100, Moderate$159.8B9.5%0.93%vs
Peoples Exchange BankBank Monroeville, AL64 out of 100, Moderate$98.6M13.5%2.44%vs