# EVERGREEN FEDERAL BANK
GRANTS PASS, OR · FDIC certificate 28914 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $621.6M | |
| Deposits | $536.6M | |
| Loans and leases | $492.3M | |
| Total equity | $82.1M | |
| Loans / deposits | 90.44% (p71 of band) | 82.04% |
| Liquid assets / assets | 14.41% (p15 of band) | |
| Uninsured deposits / deposits | 14.45% (p12 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.24% (p81 of band) | 10.81% |
| Unrealized securities loss / equity | -1.05% (p86 of band) | -8.10% |
| AOCI / equity | 0.39% (p90 of band) | |
| ROA (annualized) | 0.81% (p22 of band) | 1.28% |
| Net interest margin | 3.93% (p51 of band) | 3.91% |
| Efficiency ratio | 66.15% (p65 of band) | |
| Noncurrent loans | 0.63% (p60 of band) | 0.43% |
| Net charge-offs (annualized) | 0.04% (p74 of band) | |
| Reserve coverage of noncurrent | 222.90% | |
| Real estate % of loans | 99% | |
| Construction % of loans | 38.34% (p45 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -1.3% | |
| Employees | 92 | |

## Flags firing in the latest filing

- none

## Warning timeline

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

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

- 2026-05-16 [Evergreen Federal Bank’s BearFest returns - kobi5.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxOcnZkZzdqWm1TVnNsenlMSzZSQzNST2JrZ2xwbGFaT0ROZVBteDNxYS1SQ19Cd1FfdDg0MUw3LVdxSFRmSmVOOVlhNmt2NV96am9wWmJiOW41RzlOTko0WVRkOGs1bUJnemxjd3R6TEtINlpORUtiOHZvVllrUmh2eFpBWmtmXzFaU3dv?oc=5) · kobi5.com
- 2022-07-28 [Road Trippin: Evergreen's Bear Hotel - KTVL](https://news.google.com/rss/articles/CBMimgJBVV95cUxNZWlScXR1ZVQySEFUaXkwTG8wRGtGaG4yM0RtaUEwLW5JMFZNY2JnaHAteEp1YlBuaVFpUFpYd3Vlbk00VVc3NkRpV2lMVmNRd1RaaXhnODlYYldCc0RXOERaVVYwX1FFY0w5WFRhak9lTGRVZ1d5dGYzUGNXamkxWFRiWG1OUUxUMXBObkdaUWFBS0g3SUVjS1JQUTVTYlZzcElpLVJlcnZGcUJfRENLRk1kVEw0bHRvdkNqUW9nOURESjMyLTJEUXZrMElXdjBJeU8ySlc2YVd4dkh5aHZSVTlhMEI5OGpXZGFPakFZWXVfeW13dFpiNXh0U2I4N2h3R0ZNM1NacEtpaGNBcnNYcU5tdlpncGpEMWc?oc=5) · KTVL
- 2022-05-01 [See inside the Bear Hotel, where Grants Pass’ whimsical statues hibernate - Here is Oregon](https://news.google.com/rss/articles/CBMixAFBVV95cUxPOTNvZVZ6QjBwblo4dURTMWE2ZE11NlczUnhOaHMzRGJuMHpjQWpVRXFlMFBZYU0xSm5laVZWX0ljZzRXYmRNVHFESldQM2tyRDlORTdEZElkTVpnank3cml6Q3JRcllHZGpGZjl5M3c0VXBNeV9lOUFwc0RUaUhTME1VYU5LTXd1S1ZfdlFDeXkycklEY25JUzRsbVdSV2JRRzg4T05sVktpRmZ5U1ZWR0lXbnl4THEtZUtjcngwRV9vTks1?oc=5) · Here is Oregon
- 2025-06-13 [Josephine Community Library getting new BearFest sculpture outside Grants Pass branch - kdrv.com](https://news.google.com/rss/articles/CBMigwJBVV95cUxNOUFzYWY3ZERPTkxhMmFEMHVKSjBybTI2b0xyamZfU25kakpLTnlvc1VCbUo1LTJERnkyb3YxMjNNLXlINFd6ZnV0cGtsLS1DdW9fM0h4MENHQnNCajRCR0dLQ3YzWWJLNlJ0ckJXbTR1bGVBWnRwT3M0MGJJeWFfVmJCU2UtX3psUUtLek8wZGJnMVFRY0ppMUdjUy1lOVg1LU55WEZpTVFNd0dhNE9CeUhoamVWUm5WZmVUXzNVdEtiQ0V4MTB4ZF9KbFZpQVN0Rk1nemN1T2o5VUh3OGJnNEtjdzVQcnd6LVpPanFpOEY1d1R5SWtpamtwUlp1aEZESk4w?oc=5) · kdrv.com
- 2026-05-22 [Evergreen bank donates $40K to support veteran housing - kobi5.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxOdWdkUWhMMHNFbEpkRFVRN1VFcnAtMldFNGFXSnYweTRQMXZCeDRuV0VwWEwxZy1OUkduZ1dJNkYyWFpqR01TcEhmUmJmaWhzR2hxaDhyVE1RcjE4R3c4LXQtM1lpSUg0eUNxRVpza1doOG4zYXktLW1TNWxKa2R2bXhrVERzeFoyLWxhd0kwbmNFZHFq?oc=5) · kobi5.com
- 2020-07-17 ['It's the Climate' sign centennial celebration planned for Monday in Grants Pass - KTVL](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOS2VWZlZ1ZVJoY3Bla3lCVEdGci0tYTUtbm5JLXY1dXk4Szk1YmlqQ3YzTUhzM1FHYTV0dFhlQWZHd045dFAxNmNjWHFfMENCak9UdkxhdWFfVEk5Z3ZPQWhSOERscDJSNXZmM0NsNjNWYzFEM256alVxUnhqQ1lucEVpRUo5VnZhSFNtWTd0RS00WkdCQUw3RXV6QjlLUkR2UHI3dlNiMVg?oc=5) · KTVL
- 2009-06-13 [Paul Colbert Obituary (2009) - Kalamazoo, MI - Kalamazoo Gazette - MLive.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxOMWJsc2ZrWXViS2ZjOEtsbXRfOHNhajk2Smg4c0R3QjVYYXRjampvTFA2ZVRUQ3UwREtJdTEyMnlueURlb1duNFFlYnNXRmVZQXJ6RzF4ejBIZW92U0trdHU2SnVmOTNhZ2JlUm1QRC1sdzBXdzRuamlsYVVZWHBWeUJKOF8wMDhzYlF1b2dR?oc=5) · MLive.com
- 2016-04-01 [Man sentenced to prison for Medford bank robbery - KTVL](https://news.google.com/rss/articles/CBMiggFBVV95cUxQd1lVRkU5MDdMRXBZakZqdmFoeDMzM29tLXhqaXJjd0lFOEFXZllsdzBBS3YyVjBzSVBpZjJFTVdEcloxX1QzakVIcmJvT0M0MzNsM3JCemtiZE53Zy05eF9zZnhPNWNSb3djWTMzYmJNdzhLNUZBamM5SjBqNkxaRkJB?oc=5) · KTVL

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28914 (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/50.json (key "28914", 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.

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