# EVERGREEN BANK GROUP
OAK BROOK, IL · FDIC certificate 35230 · asset band $1-10B · latest filing 2025-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $1.42B | |
| Deposits | $1.23B | |
| Loans and leases | $1.22B | |
| Total equity | $156.4M | |
| Loans / deposits | 97.49% (p80 of band) | 86.81% |
| Liquid assets / assets | 12.40% (p13 of band) | |
| Uninsured deposits / deposits | 15.64% (p11 of band) | 30.18% |
| Brokered deposits | 10.57% | |
| Wholesale funding | 12.16% (p68 of band) | |
| FHLB advances / assets | 1.59% | |
| Tier 1 leverage | 11.63% (p74 of band) | 10.28% |
| Unrealized securities loss / equity | -7.10% (p64 of band) | -10.98% |
| AOCI / equity | 0.60% (p34 of band) | |
| ROA (annualized) | 0.56% (p17 of band) | 1.04% |
| Net interest margin | 4.56% (p90 of band) | 3.46% |
| Efficiency ratio | 64.24% (p58 of band) | |
| Noncurrent loans | 0.34% (p39 of band) | 0.45% |
| Net charge-offs (annualized) | 0.91% (p97 of band) | |
| Reserve coverage of noncurrent | 506.89% | |
| Real estate % of loans | 30% | |
| Construction % of loans | 6.83% (p10 of band) | |
| Auto loans | $63.2M (5.17% of loans; DQ 0.33%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | -1.7% | |
| Employees | 183 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2011-06 | 1 |  | wholesale funding >15% |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | capital falling |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | capital falling |  |
| 2014-03 | 2 | charge-offs p90 | capital falling |
| 2014-06 | 1 |  | charge-offs p90 |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | wholesale funding >15% |  |
| 2015-03 | 4 | capital falling, charge-offs p90 |  |
| 2015-06 | 3 |  | capital falling |
| 2015-09 | 2 |  | wholesale funding >15% |
| 2015-12 | 2 |  |  |
| 2016-03 | 3 | wholesale funding >15% |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 4 | uninsured deposits leaving |  |
| 2017-03 | 3 |  | uninsured deposits leaving |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 4 | capital falling |  |
| 2018-03 | 2 |  | wholesale funding >15%, capital falling |
| 2018-06 | 3 | wholesale funding >15% |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 2 |  | wholesale funding >15% |
| 2019-12 | 2 |  |  |
| 2020-03 | 1 |  | brokered >10% |
| 2020-06 | 4 | brokered >10%, wholesale funding >15%, capital falling |  |
| 2020-09 | 2 |  | wholesale funding >15%, capital falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | brokered >10% |
| 2021-06 | 2 | brokered >10% |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 | deposits shrinking | brokered >10% |
| 2022-03 | 1 |  | deposits shrinking |
| 2022-06 | 3 | brokered >10%, wholesale funding >15% |  |
| 2022-09 | 4 | capital falling |  |
| 2022-12 | 6 | noncurrent p90, uninsured deposits leaving |  |
| 2023-03 | 4 |  | capital falling, noncurrent p90 |
| 2023-06 | 3 |  | wholesale funding >15% |
| 2023-09 | 4 | capital falling |  |
| 2023-12 | 2 |  | brokered >10%, uninsured deposits leaving |
| 2024-03 | 1 |  | capital falling |
| 2024-06 | 1 |  |  |
| 2024-09 | 2 | brokered >10% |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 3 | deposits shrinking, assets shrinking | brokered >10% |
| 2025-06 | 2 | brokered >10% | deposits shrinking, assets shrinking |

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

- 2024-08-20 [Finio Partners with FreedomRoad Financial in Online Lending for Powersports - Business Wire](https://news.google.com/rss/articles/CBMizAFBVV95cUxNWFdGVEM5d1dmQXFvVzdjckVxa1I1RzE1bHNQYk5UaC1yMmtOMVZMc1E2WEZRbk5QUmFxYzNrQk9sazlUTkplamVPc055cjB4eWhZZ2w2OVp5MGJnMmhBV3p0Q0JwWGN6MW5aSkNPNnB0Zk1JclpxZGZWYWdPa2dseW5PMW5Oc0FzVVRqdkQzalVLUXZmWGcydjcxb2R5MVg4Y3ozcjZzclVGTWtSdDFYMHN1TVBkR1g3X2hZaXFZMEFZN1dXMjYwWmM2V0E?oc=5) · Business Wire
- 2025-07-01 [Old Second Completes Merger With Bancorp Financial - citybiz](https://news.google.com/rss/articles/CBMikwFBVV95cUxOc1VmbGFuTzNEd29HTGJ6WGdHa1B6SDF6UWkwQWw2UEJHODk3ZEpZRkZhU1UtTzhfQ0ZWTHRibEU1ZWtEU2x0OEo5cndMX05xbEJJUjBIMlRkT1JuVGxfNE9pMV94LWRMNGRFNzFsMC1JQjhyZEJMeGVBVDM5WjdQMmFXb1R4aVVwS2R5ckNWQWdLX1U?oc=5) · citybiz
- 2024-11-13 [Best Banks to Work For 2024 with less than $3B of assets - American Banker](https://news.google.com/rss/articles/CBMilgFBVV95cUxPYjVyd28wMVBJWUdiREk2VFVnSjJQajhjc1liZjlLT0Z0eXdjak5SLTFHbEU1eWNQZ1NOek11M0RWd2tXVkJQRDJzWWdYNEFqZWZCcEM1eEozX1hFWUxYdXB6bk1SNU1mWGtTSEZXazU1amkzY3ZNTHYxSFdoWkFmX0U3eGtkWVRiQ1FrYTdXendhNl92TlE?oc=5) · American Banker
- 2025-04-24 [OSBC Stock Price, News & Analysis | Old Second Bancorp Inc Ill - stocktitan.net](https://news.google.com/rss/articles/CBMiU0FVX3lxTFBYQkdobE91WEVZY0VwNGFaVDJDZnI5d0Q5OFlKZERjeW5JOTVvdXBTVlFBN0tzUmE2dXphYnNKQk5WSjhvT3ZzOHlwWEFFTU5udFVV?oc=5) · stocktitan.net
- 2025-12-04 [Old Second National completes Newgen Software implementation - - Enterprise Times](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPWldoUF9VMkhlMUk0VjF1dTF6eV85OWE0ejI0T1duOHVNSGQybE5abDlzcmNCaVMyNE9hNXpkUmduVXpVU3B5akpCeEFfZm4zcVd0Q3BNV0VzTVBrZlFOX0o0UHQ3QXdwa0ZhSU9yeGJONWZ3MDJ4LWd4ZHlObEZNRVQ4WW9IREdNazJSU1lVejdZaHI5MG9nZnR2V1ZMUU93Z1htU29SSVdfUQ?oc=5) · Enterprise Times
- 2024-06-10 [SHAWN FEELEY Obituary - IL - Chicago Tribune](https://news.google.com/rss/articles/CBMibEFVX3lxTE5RbXBBS1ptSGFBX2h4a2tOUF9aNmlUWHQtd0h0YzNJMURXTWRVT0cxNVQwd1FyV0F6QkFnOXozbFk0blF6VEFkVGxsZEtGMHBSV1d3X3ZlWFFQejZTcWFwTXBLcmxfRDZ3RkJTdw?oc=5) · Chicago Tribune
- 2023-08-10 [Eyes on Milwaukee: Downtown Hotel Taken Over By Lender - Urban Milwaukee](https://news.google.com/rss/articles/CBMilwFBVV95cUxNdmRsTDYwR1BjMm9HQUxwUUVBanZYT1BTZnpmVXh1TmFTbGRqekU2WGRqOXY4UnR2TTVzYTFvZVZtM3FCUUtJWmpLdjRsX0pqMHRHU0VZM1U3dlMzQ0YtVWE0c2RfODRRUjVmanRXMGtaLVpxaGpTX0tsY1hMMGZud1BVNGhEcGNJay1yRjFnVlYxOFhhWDZB?oc=5) · Urban Milwaukee
- 2023-08-10 [Downtown Milwaukee's financially troubled Hampton Inn has been taken over by its lender - Milwaukee Journal Sentinel](https://news.google.com/rss/articles/CBMi5gFBVV95cUxPRTdabVd2QVNXS2phU2kyX1N3dzJwVkhsV3plbHh2VEhQLW9tQkRUVVY1U080MlcwMlozcVVrdnd0WHR6bU9iWEhubldoajJhaHZsWXNxcHF2cUpUNWo0eHVBVmM1UlhRVU1CS21ZeW5sSGlDTXo0SmV3TGJIc3Fvd1JYOXhFMUljRW5nZ2tDSjh2WkVmbUZxTWpwNWpscjgwNXhkdllTWVJfUHBNb2JzdkdMejZHVmpVSE5seElqcWJKU2hza2hlN3VLX0dDbFpOY2lRLVFzTlhBQ29rNVBMZ3FwZkl5UQ?oc=5) · Milwaukee Journal Sentinel

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35230 (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/30.json (key "35230", 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