Total Assets
$617M
Total balance-sheet footings
FDIC Cert #28914 · Grants Pass, Oregon · Est. 1934
Evergreen Federal Bank - FDIC Bank Health Profile
A community-scale look at Evergreen Federal Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $617M
- Total assets
- B
- Health grade · Good
- 0.59%
- Return on assets
- 12.8%
- Tier 1 capital
Data updated July 2026
The verdict
Evergreen Federal Bank earns a PlainBankData health grade of B (73/100), with well-capitalized at 12.82% Tier 1, 0.59% ROA, 76% efficiency ratio.
- #1,537
- largest of 4,313 FDIC banks by assets
- 64th
- percentile by asset size, nationally
- 12.82%
- Tier 1 ratio - above the 10% well-capitalized line
- 19th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Evergreen Federal Bank'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.
Evergreen Federal Bank's composite health score
Tier 1 Capital Ratio (12.82%) 35/40
Return on Assets (ROA) (0.59%) 14/25
Texas Ratio (4.86%) 20/20
Efficiency Ratio (75.59%) 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 Deposits
$535M
Customer-funded liabilities
Net Loans
$477M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Evergreen Federal Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Evergreen Federal Bank's score of 73/100 falls in the highlighted band.
Evergreen Federal Bank'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). Evergreen Federal Bank's $617M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.82% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.82%
Texas Ratio
4.86%
Equity Capital
$79M
Profitability metrics
Return on Assets (ROA)
19th percentile nationally
0.59%
Return on Equity (ROE)
4.77%
Efficiency Ratio
75.59%
What the numbers say about Evergreen Federal Bank
Evergreen Federal Bank is an FDIC-insured institution (Certificate #28914) headquartered in Grants Pass, Oregon, established in 1934. It holds $617M in total assets - 1,537th of 4,313 FDIC-insured banks, $535M in customer deposits, and $477M in net loans. Capital-wise, the Tier 1 ratio sits at 12.82%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 4.86%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (73 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Evergreen Federal Bank sits 9th of 14 banks headquartered in Oregon by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$28M
Interest Income
$2M
Non-Interest Income
$16M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Evergreen Federal Bank reports a Texas Ratio of 4.86% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
4.86% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Oregon by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Evergreen Federal Bank (FDIC Cert #28914) - 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.
Other banks in Oregon
All Oregon banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Columbia BankRoseburg | $66.8B | A | 1.00% |
| Summit BankEugene | $1.3B | A | 1.17% |
| Bank of Eastern OregonHeppner | $960M | A | 1.83% |
| Citizens BankCorvallis | $832M | B | 0.31% |
| Oregon Pacific Banking Company dba Oregon Pacific BankFlorence | $812M | A | 1.16% |
| People's Bank of CommerceMedford | $789M | A | 1.14% |
| Pioneer Trust Bank, National AssociationSalem | $735M | A | 2.32% |
| First Federal Savings and Loan Association of McMinnvilleMcminnville | $669M | B | 0.35% |
Frequently asked questions
What is Evergreen Federal Bank's health grade?▼
Evergreen Federal Bank receives a health grade of B (73/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Evergreen Federal Bank?▼
Evergreen Federal Bank holds $617M in total assets and $535M in deposits, ranking 1,537th of 4,313 FDIC-insured banks by asset size. It is headquartered in Grants Pass, Oregon.
Is my money safe at Evergreen Federal Bank?▼
Yes, deposits at Evergreen Federal Bank (Certificate #28914) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Evergreen Federal Bank's Tier 1 Capital Ratio?▼
Evergreen Federal Bank has a Tier 1 Capital Ratio of 12.82%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Evergreen Federal Bank?▼
Evergreen Federal Bank has a Texas Ratio of 4.86%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Evergreen Federal Bank?▼
Evergreen Federal Bank has an Efficiency Ratio of 75.59%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Evergreen Federal Bank's profile as a depositor or analyst.
- Evergreen Federal Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Evergreen Federal Bank against other Oregon banks before moving funds. Oregon banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.