# EVERGREEN NATIONAL BANK
EVERGREEN, CO · FDIC certificate 23404 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $139.9M | |
| Deposits | $122.0M | |
| Loans and leases | $100.1M | |
| Total equity | $17.6M | |
| Loans / deposits | 81.10% (p64 of band) | 73.59% |
| Liquid assets / assets | 25.95% (p34 of band) | |
| Uninsured deposits / deposits | 18.55% (p45 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.54% (p67 of band) | 11.76% |
| Unrealized securities loss / equity | -3.90% (p61 of band) | -6.57% |
| AOCI / equity | 1.31% (p98 of band) | |
| ROA (annualized) | 1.09% (p46 of band) | 1.17% |
| Net interest margin | 5.76% (p97 of band) | 3.93% |
| Efficiency ratio | 71.45% (p64 of band) | |
| Noncurrent loans | 0.09% (p34 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p60 of band) | |
| Reserve coverage of noncurrent | 1178.95% | |
| Real estate % of loans | 97% | |
| Construction % of loans | 143.23% (p98 of band) | |
| Auto loans | $17,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.9% | |
| Employees | 34 | |

## Flags firing in the latest filing

- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 4 |  | charge-offs p90 |
| 2011-09 | 4 |  |  |
| 2011-12 | 3 |  | losing money |
| 2012-03 | 5 | losing money, uninsured deposits leaving |  |
| 2012-06 | 5 |  |  |
| 2012-09 | 6 | capital falling |  |
| 2012-12 | 4 |  | noncurrent p90, uninsured deposits leaving |
| 2013-03 | 4 |  |  |
| 2013-06 | 2 |  | losing money, capital falling |
| 2013-09 | 2 |  |  |
| 2013-12 | 4 | capital falling, noncurrent p90 |  |
| 2014-03 | 4 | losing money | capital falling |
| 2014-06 | 5 | deposits shrinking, uninsured deposits leaving | noncurrent p90 |
| 2014-09 | 5 |  |  |
| 2014-12 | 4 | assets shrinking | reserve under noncurrent, losing money |
| 2015-03 | 2 |  | expense ratio p90, assets shrinking |
| 2015-06 | 1 | expense ratio p90 | deposits shrinking, uninsured deposits leaving |
| 2015-09 | 2 | losing money |  |
| 2015-12 | 2 | capital falling | losing money |
| 2016-03 | 2 |  |  |
| 2016-06 | 1 |  | capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | capital falling |  |
| 2018-03 | 2 | construction >100% equity | capital falling |
| 2018-06 | 2 | reserve under noncurrent | expense ratio p90 |
| 2018-09 | 2 |  |  |
| 2018-12 | 0 |  | construction >100% equity, reserve under noncurrent |
| 2019-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 3 | noncurrent p90 |  |
| 2019-12 | 4 | capital falling |  |
| 2020-03 | 3 |  | capital falling |
| 2020-06 | 3 | expense ratio p90 | noncurrent p90 |
| 2020-09 | 4 | capital falling, uninsured deposits leaving | expense ratio p90 |
| 2020-12 | 4 |  |  |
| 2021-03 | 2 |  | reserve under noncurrent, uninsured deposits leaving |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | losing money, expense ratio p90 | capital falling |
| 2022-06 | 4 | AOCI drag >20% of equity, securities losses >30% of equity | losing money |
| 2022-09 | 3 |  | expense ratio p90 |
| 2022-12 | 6 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-03 | 0 |  | construction >100% equity, AOCI drag >20% of equity, securities losses >30% of equity, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2023-06 | 4 | securities losses >30% of equity, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-09 | 4 | construction >100% equity | uninsured deposits leaving |
| 2023-12 | 4 | uninsured deposits leaving | securities losses >30% of equity |
| 2024-03 | 4 |  |  |
| 2024-06 | 2 |  | assets shrinking, uninsured deposits leaving |
| 2024-09 | 1 |  | deposits shrinking |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | uninsured deposits leaving |  |
| 2025-12 | 1 |  | uninsured deposits leaving |
| 2026-03 | 2 | deposits shrinking |  |
| 2026-06 | 1 |  | deposits shrinking |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-07-22 [These are Denver's strongest banks - The Business Journals](https://news.google.com/rss/articles/CBMijAFBVV95cUxQUVBWTFV1OVNVWHByd1BaVjdXV1RadFR1RlVLUWQxdHJmMndFZVN2eXpZSzFWRzdGOEhOZlNrWnZkZ2pWenFBWDMyMUcxdXlOTnBBU25FT3hHMzJNNFg5ZU1BaTlRaXloeHZrbGJNaEduOHl4ejh2NUwyLWtMSnJKbDdTVmZIUXJLcG84Wg?oc=5) · The Business Journals
- 2023-08-23 [Paid parking starts in downtown Evergreen parking lot - Colorado Community Media](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQZWNTU1ZkakJtcFJWQ1VocV9fdnhwOUVoYWphaW1Rc25jY014cEdPdmtiZVVHb3RvZF9rTHgweGVGaUktanV1WmQ1Vm1EUEg2ZTFTLTF3QndrcFF0S25sSlNiM1dncmUwRUZyeDBQY2lJdVJiZ0NCbUJwdDJxcTRfT1FCUkl4UDhoaXlWalR2elJjV3R5cmNqaDZ4OU1pTmkzZnRObmVocUVnUmliZFNrTkFMYVFNMEp3?oc=5) · Colorado Community Media
- 2019-02-03 [Roland 'Mac' Conant McEldowney Obituary Feb 3, 2019 - Horan & McConaty Funeral Service and Cremation](https://news.google.com/rss/articles/CBMiZkFVX3lxTE9BUzZEaHJvYnEydFFlTWNsZ2pyRWZFSnNZT1ZZLWxJaHF5S3VfanJBVGpDSUFYaWxuRzhxSHV5SEhtVnpYT1hERnVhekNFXy1aZkhHcUIwb3hqalB6VmZlNEJycTBvZw?oc=5) · Horan &amp; McConaty Funeral Service and Cremation
- 2025-10-25 [Jacqueline Kay Millard Obituary Oct 16, 2025 - Altogether Funeral](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPMGZaYTEzT01UQWxUVUNfNVAwb1U4N3M3N3NMR2NtN3R4Q2g3Wmdla1E0ZWdsdVRRUXNXemd4TTF5NlpGOEU1LW9EbjRFM3ZtSmJWTlFzcXZ5c2pUdTd2LUw4eFVQemdOek9KMGRzNTBKc195YzRoMXFkUURRZ2lrWWNxVXhfZjFyMjRqYlpLODZBX1YwcnlUbVVPRWFvbURrVVV2S2xsenBvSkJQb2hvVlZGdVlTTG9YdWRJ?oc=5) · Altogether Funeral
- 2024-05-19 [Frederick Nicholas Zihlman - The Denver Post](https://news.google.com/rss/articles/CBMid0FVX3lxTE9zMWlRVVlCTDc3dGJsTDFxSVBNX3NlTXFaaEMtNW1ualVoYmh6NEhvTnp1c2hubV9WTU9MWHA1NUJrY01kb0FPN0FFUmdmbmF6bkJibWRmTm5TV1pOUEJKRjFHa0pYT0VLUEFkLXJ5WkFJdl9YWmE0?oc=5) · The Denver Post
- 2025-03-25 [John Ellis, Evergreen’s unofficial mayor, dies at 77 - Colorado Community Media](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQQTJYYnpoX3FJdm82N3huVjJITE92MXZRbFkxX2hvR3g3QjMtZnVvOUUxa0VqaUhFTmJwSFBKdkNxcGxKemRSRkE1Z3ZKNkM1dGptTVdwY0pvYW9iZ0V4SWRRb3VSQUc2cF9GQ0M4MFN1QWo5ZEhQdmgtR3Z3eXB1b0cxUkktelM0dWUtMDhHQ3N3MFdmQzRYSEpsYXJFeXdTVmR1V2czOExyNEpiaVJVU2dpZnJMeERm?oc=5) · Colorado Community Media
- 2012-08-29 [Kathleen Boscamp Obituary (1950 - 2012) - Clear Creek County, Colorado - Clear Creek Courant - legacy.com](https://news.google.com/rss/articles/CBMingFBVV95cUxQejdQeENSNFNOT2JPeEppSFBVWTBya1FWTkRRRlpJblYwb0JCVExKTXJ4dE9aX1pscWxzaWo4WjA1Z2dOT2FQTjhiNTIydHlJVlpzMF91X3pwT0tfZ1ozYmhDV28ycWtIcE1iT2R5S050aGE0RUtlbnN5TUVjdEF5T0drSEowVGlXc0VPdWNKNXkydk93UTRMWG9QZWUyQQ?oc=5) · legacy.com
- 2013-09-13 [Evergreen: Downtown streets flooded - The Denver Post](https://news.google.com/rss/articles/CBMifkFVX3lxTFBTRnJYblRSQkY0WW9jMklNc1VndVhRSjc5enlWZGNQSkhBaHFCM1BtTGtlUFMxOFdEY0Qxdjl6SHJTenZYalFEMXNKUlNLd3I2WTc2bjRINENhWlNHbTFIOW9Uc3l5bG80VGpMTU9MTnhPMkwwa3BfLXF5c3Jadw?oc=5) · The Denver Post

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=23404 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/44.json (key "23404", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide