FDIC Cert #49 · Evergreen, Alabama · Est. 1932

Bank of Evergreen - FDIC Bank Health Profile

A community-scale look at Bank of Evergreen's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$77M
Total assets
B
Health grade · Good
0.74%
Return on assets
14.0%
Tier 1 capital

Data updated July 2026

The verdict

Bank of Evergreen earns a PlainBankData health grade of B (73/100), with well-capitalized at 13.97% Tier 1, 0.74% ROA, 73% efficiency ratio.

#3,928
largest of 4,313 FDIC banks by assets
9th
percentile by asset size, nationally
13.97%
Tier 1 ratio - above the 10% well-capitalized line
26th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 49 · AL B · 73/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-B B (73/100)
  • MID-PACK #2848/4307
  • PHOTO-FINISH The Mer Rouge State… · LA
  • TIER1-WELL 14.0% Tier 1
  • TEXAS-CLEAN 2.0% Texas
  • ROA-THIN 0.74% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Alabama: The Mer Rouge State Bank, LA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Bank of Evergreen

Lowest and highest poles plus nearest scored peers outside Alabama, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Evergreen · AL · thi…73/100Farmers State Bank · MT · ne…73/100Peoples National Ban… · IL ·…73/100The Mer Rouge State… · LA · …73/100Wahoo State Bank · NE · near73/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Bank of Evergreen · July 2026

What Bank of Evergreen's Call Report plate shows

Bank of Evergreen (FDIC Cert #49) carries a PlainBankData health grade of B at 73/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,848 of 4,307. Tier 1 capital prints at 13.97%, clearing the 10% well-capitalized line. The Texas Ratio is 1.97%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.74%. Balance-sheet scale is $77M, 3,928th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The Mer Rouge State Bank (LA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Bank of Evergreen

7 FAILURE resolutions in Alabama since 2000 (7 since 2008)

Bank of Evergreen's home state sits in the middle band of post-2000 FAILURE counts (7; 7 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Bank of Evergreen remains an active FDIC-insured reporter.

  • ALABAMA TRUST BANK, NATIONAL ASSOCIATION SYLACAUGA, AL 2012 → SOUTHERN STATES BANK
  • SUPERIOR BANK BIRMINGHAM, AL 2011 → SUPERIOR BANK, N.A.
  • NEXITY BANK BIRMINGHAM, AL 2011 → ALOSTAR BANK OF COMMERCE

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Alabama banks.

How Bank of Evergreen's 73/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10073/100
Bank of Evergreen's composite health score
Tier 1 Capital Ratio (13.97%) 35/40
Return on Assets (ROA) (0.74%) 14/25
Texas Ratio (1.97%) 20/20
Efficiency Ratio (73.49%) 4/15

73 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$77M

Total balance-sheet footings

Total Deposits

$68M

Customer-funded liabilities

Net Loans

$31M

Outstanding loan book

Net Income

$562K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.57% 13.97% 15.37%
Basel III capital ratios - Bank of Evergreen

Where Bank of Evergreen ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of Evergreen's score of 73/100 falls in the highlighted band.

Bank of Evergreen: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

73 34th percentile higher than 34% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Bank of Evergreen 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Bank of Evergreen's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bank of Evergreen's $77M falls in the highlighted band.

Safety ratios for Bank of Evergreen

Tier 1 capital ratio
Well-capitalized 10%

13.97% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.97%
Texas Ratio
1.97%
Equity Capital
$9M

What these ratios mean →

Profitability metrics: Bank of Evergreen

Return on Assets (ROA)
26th percentile nationally
0.74%
Return on Equity (ROE)
7.02%
Efficiency Ratio
73.49%

What these mean →

Income & expense at Bank of Evergreen

$3M
Interest Income
$281K
Non-Interest Income
$2M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of Evergreen reports a Texas Ratio of 1.97% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.97% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Bank of Evergreen on FDIC BankFind →

Top banks in Alabama by total assets

Largest banks headquartered in Alabama
  1. 1
    Regions Bank $157.4B

    Birmingham, AL · Grade A

  2. 2
    ServisFirst Bank $17.7B

    Birmingham, AL · Grade A

  3. 3
    River Bank & Trust $3.8B

    Prattville, AL · Grade A

  4. 4
    Bank Independent $3.0B

    Sheffield, AL · Grade B

  5. 5
    Bryant Bank $2.9B

    Tuscaloosa, AL · Grade A

Top 5 banks in Alabama ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($77M here), outside Alabama so the neighborhood is not state containment.

Citizens National Bank of Crosbyton $77M · TX CerescoBank $77M · NE AllNations Bank $77M · OK First State Bank of Olmsted $78M · IL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of Evergreen (FDIC Cert #49) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Bank of Evergreen Call Report profile · FDIC Failed Bank List · Alabama FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Alabama

All Alabama banks →
BankAssetsGradeROA
Regions BankBirmingham $157.4B A 1.43%
ServisFirst BankBirmingham $17.7B A 1.58%
River Bank & TrustPrattville $3.8B A 1.18%
Bank IndependentSheffield $3.0B B 1.01%
Bryant BankTuscaloosa $2.9B A 1.69%
CB&S Bank, Inc.Russellville $2.9B C 0.85%
Oakworth Capital BankBirmingham $2.0B B 1.17%
Troy Bank & Trust CompanyTroy $1.6B A 1.34%