TellerScore

Headquartered in Grants Pass, Oregon, Evergreen Federal Bank is a savings bank with $621.6M in total assets and $536.6M in deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1934.

Based on its Q2 2026 filing, Evergreen Federal Bank scores 75/100, which we describe as strong. That is higher than 61% of 2,650 banks with $100 million – $1 billion. Among 13 banks headquartered in Oregon, it ranks 7th. Its strongest component is problem-loan coverage (93/100; 3.7%), and its lowest is earnings (52/100; 0.81%).

TellerScore · Q2 2026

Scorecard

Capital cushion82/100
Tier 1 leverage ratio: 13.24%
Loan quality79/100
Noncurrent loans ÷ total loans: 0.63%
Earnings52/100
Return on assets (annualized): 0.81%
Funding & liquidity70/100
Loans ÷ deposits and uninsured-deposit share: 90.4% · 14.4% uninsured
Problem-loan coverage93/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.71%

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 rose 6 points (69 → 75), mostly because the loan quality component improved by 9 points.

TellerScore
687275Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202470
Q4 202468
Q1 202570
Q2 202569
Q3 202570
Q4 202570
Q1 202674
Q2 202675
Tier 1 leverage ratio
5.00%9.12%13.24%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.47%
Q3 202412.58%
Q4 202412.64%
Q1 202512.75%
Q2 202512.65%
Q3 202512.61%
Q4 202512.82%
Q1 202613.06%
Q2 202613.24%
Noncurrent loans
0.40%0.65%0.91%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.40%
Q3 20240.55%
Q4 20240.72%
Q1 20250.72%
Q2 20250.91%
Q3 20250.80%
Q4 20250.86%
Q1 20260.71%
Q2 20260.63%
Return on assets
0.32%0.57%0.81%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.32%
Q3 20240.40%
Q4 20240.38%
Q1 20250.55%
Q2 20250.57%
Q3 20250.58%
Q4 20250.59%
Q1 20260.78%
Q2 20260.81%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$621.6M13.24%0.63%0.81%90.4%
Q1 202674$628.1M13.06%0.71%0.78%87.6%
Q4 202570$617.2M12.82%0.86%0.59%89.2%
Q3 202570$628.3M12.61%0.80%0.58%87.5%
Q2 202569$623.5M12.65%0.91%0.57%88.1%
Q1 202570$612.1M12.75%0.72%0.55%89.9%
Q4 202468$611.9M12.64%0.72%0.38%94.8%
Q3 202470$611.5M12.58%0.55%0.40%93.7%
Q2 202470$609.8M12.47%0.40%0.32%93.1%

2,650 peers · $100 million – $1 billion

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 ratio13.24%
77th
Total risk-based capital0.00%
24th
Problem loans0.63%
40th
Net charge-offs0.06%
26th
Return on assets0.81%
24th
Net interest margin3.93%
50th
Efficiency ratio66.2%
39th
Loans to deposits90.4%
25th
Uninsured deposits14.4%
83rd
Loan-loss reserves1.40%
73rd
Texas ratio3.7%
43rd

Similar-size banks in Oregon

InstitutionScoreAssetsCapitalProblem loansCompare
First Federal Savings and Loan Association of McMinnvilleBank Mcminnville, OR76 out of 100, Strong$678.7M11.9%0.04%vs
Pioneer Trust Bank, National AssociationBank Salem, OR81 out of 100, Strong$712.5M15.3%1.32%vs
People's Bank of CommerceBank Medford, OR78 out of 100, Strong$776.7M15.3%0.90%vs
Willamette Valley BankBank Salem, OR81 out of 100, Strong$465.4M17.0%0.22%vs
Oregon Coast BankBank Newport, OR52 out of 100, Below average$446.3M10.4%2.65%vs
Citizens BankBank Corvallis, OR78 out of 100, Strong$823.4M13.9%0.04%vs

Deposit insurance

Is my money safe at Evergreen Federal Bank?

Yes. Evergreen Federal Bank is an FDIC-insured institution (FDIC certificate #28914). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 14.4% of deposits ($77.5M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.24%, 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

6 locations

Branches

Evergreen Federal Bank lists 6 offices in 5 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Evergreen Federal Bank reported 176 home-loan applications under HMDA (LEI 2549007E4NL6J0YLH946): 146 originated ($50,470,000 total), 14 denied, and 16 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Evergreen Federal Bank
Former names
Evergreen Federal Savings and Loan Association
Type
Savings bank
FDIC certificate #
28914
RSSD ID
55970
Primary regulator
OCC
Established
June 1, 1934
Headquarters
969 Se 6th St, Grants Pass, OR 97526
Employees
92

Quick answers

Evergreen Federal Bank: common questions

Is Evergreen Federal Bank FDIC insured?

Yes. Evergreen Federal Bank is an FDIC-insured institution (FDIC certificate #28914). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Evergreen Federal Bank's TellerScore?

75 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 Evergreen Federal Bank ever failed?

There is no failure record for FDIC certificate #28914 in the FDIC failed bank list.

How many branches does Evergreen Federal Bank have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Grants Pass

InstitutionScoreAssetsCapitalProblem loansCompare
First Community Credit UnionCredit union Coquille, OR86 out of 100, Very strong$1.9B13.3%0.04%vs
People's Bank of CommerceBank Medford, OR78 out of 100, Strong$776.7M15.3%0.90%vs
Banner BankBank Walla Walla, WA72 out of 100, Strong$16.6B11.2%0.46%vs
Rogue Credit UnionCredit union Medford, OR67 out of 100, Moderate$4.3B10.4%0.95%vs
Columbia BankBank Roseburg, OR64 out of 100, Moderate$65.4B9.7%0.57%vs
KeyBank National AssociationBank Cleveland, OH63 out of 100, Moderate$188.6B9.9%0.86%vs