TellerScore

Evergreen National Bank is a national bank headquartered in Evergreen, Colorado, in business for about 45 years. At the end of Q2 2026 it reported $139.9M in total assets and $122.0M in deposits, with 3 offices.

Evergreen National Bank has a TellerScore of 84 out of 100 (strong) based on Q2 2026 data — higher than 86% of its 2,650 banks with $100 million – $1 billion. Among 63 banks headquartered in Colorado, it ranks 14th. Problem-loan coverage contributes the most (99/100, 0.5%); earnings contributes the least (64/100, 1.09%).

TellerScore · Q2 2026

Scorecard

Capital cushion85/100
Tier 1 leverage ratio: 13.54%
Loan quality97/100
Noncurrent loans ÷ total loans: 0.09%
Earnings64/100
Return on assets (annualized): 1.09%
Funding & liquidity75/100
Loans ÷ deposits and uninsured-deposit share: 81.1% · 18.5% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.51%

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 2 points (82 → 84), mostly because the capital cushion component improved by 9 points.

TellerScore
758084Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202481
Q3 202480
Q4 202482
Q1 202579
Q2 202582
Q3 202580
Q4 202575
Q1 202680
Q2 202684
Tier 1 leverage ratio
5.00%9.27%13.54%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202412.16%
Q3 202411.79%
Q4 202411.95%
Q1 202512.08%
Q2 202512.59%
Q3 202512.60%
Q4 202512.89%
Q1 202613.30%
Q2 202613.54%
Noncurrent loans
0.00%0.45%0.90%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.21%
Q3 20240.00%
Q4 20240.00%
Q1 20250.32%
Q2 20250.14%
Q3 20250.39%
Q4 20250.90%
Q1 20260.29%
Q2 20260.09%
Return on assets
0.95%1.06%1.17%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.14%
Q3 20241.11%
Q4 20241.08%
Q1 20251.08%
Q2 20251.12%
Q3 20251.17%
Q4 20251.12%
Q1 20260.95%
Q2 20261.09%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202684$139.9M13.54%0.09%1.09%81.1%
Q1 202680$131.1M13.30%0.29%0.95%85.1%
Q4 202575$135.2M12.89%0.90%1.12%81.2%
Q3 202580$135.6M12.60%0.39%1.17%75.5%
Q2 202582$133.4M12.59%0.14%1.12%76.6%
Q1 202579$137.2M12.08%0.32%1.08%73.0%
Q4 202482$137.6M11.95%0.00%1.08%69.6%
Q3 202480$133.9M11.79%0.00%1.11%74.7%
Q2 202481$131.2M12.16%0.21%1.14%72.7%

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 ratio13.54%
79th
Total risk-based capital0.00%
24th
Problem loans0.09%
74th
Net charge-offs0.01%
51st
Return on assets1.09%
40th
Net interest margin5.76%
98th
Efficiency ratio71.5%
27th
Loans to deposits81.1%
47th
Uninsured deposits18.5%
70th
Loan-loss reserves1.12%
41st
Texas ratio0.5%
76th

Similar-size banks in Colorado

InstitutionScoreAssetsCapitalProblem loansCompare
RG Bank, A Savings and Loan AssociationBank Monte Vista, CO61 out of 100, Moderate$136.7M11.9%1.50%vs
Rocky Mountain Bank & TrustBank Florence, CO74 out of 100, Strong$126.5M13.2%1.71%vs
Fowler State BankBank Fowler, CO60 out of 100, Moderate$154.5M13.2%3.46%vs
Del Norte BankBank Del Norte, CO74 out of 100, Strong$155.3M10.7%0.04%vs
First National Bank, CortezBank Cortez, CO53 out of 100, Below average$156.9M10.0%1.92%vs
Park State Bank & TrustBank Woodland Park, CO77 out of 100, Strong$162.3M11.3%0.05%vs

Deposit insurance

Is my money safe at Evergreen National Bank?

Yes. Evergreen National Bank is an FDIC-insured institution (FDIC certificate #23404). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 18.5% of deposits ($22.6M) 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 13.54%, 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

3 locations

Branches

Evergreen National Bank lists 3 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Evergreen National Bank reported 26 home-loan applications under HMDA (LEI 5493006G148FKG4GC506): 17 originated ($12,095,000 total), 3 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.6%, 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 National Bank
Type
National bank
FDIC certificate #
23404
RSSD ID
427858
Primary regulator
OCC
Holding company
Evergreen Bcorp
Established
April 15, 1981
Headquarters
28145 Colorado Highway 74, Evergreen, CO 80439
Employees
34

Quick answers

Evergreen National Bank: common questions

Is Evergreen National Bank FDIC insured?

Yes. Evergreen National Bank is an FDIC-insured institution (FDIC certificate #23404). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Evergreen National Bank's TellerScore?

84 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 National Bank ever failed?

There is no failure record for FDIC certificate #23404 in the FDIC failed bank list.

How many branches does Evergreen National Bank have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Evergreen

InstitutionScoreAssetsCapitalProblem loansCompare
Denver Fire Department Federal Credit UnionCredit union Denver, CO89 out of 100, Very strong$213.5M14.2%0.09%vs
Transact Bank, National AssociationBank Denver, CO86 out of 100, Very strong$6.5M16.3%0.00%vs
Affidian Federal Credit UnionCredit union Denver, CO85 out of 100, Very strong$360.1M18.9%0.85%vs
Beal Bank USABank Las Vegas, NV80 out of 100, Strong$11.0B21.9%0.78%vs
North Valley BankBank Thornton, CO80 out of 100, Strong$268.6M13.5%0.53%vs
Native American Bank, National AssociationBank Denver, CO77 out of 100, Strong$362.0M14.4%0.94%vs