Evergreen Bank Group
Oak Brook, Illinois · FDIC Cert #35230
Evergreen Bank Group is an FDIC-insured bank (Certificate #35230) with $1.5B in total assets and $1.3B in total deposits as of the Q2 2024 Call Report. Headquartered in Oak Brook, Illinois, the bank maintains a Tier 1 capital ratio of 12.55% (Well-Capitalized) and a nonperforming loan ratio of 0.27%. BankHealthData assigns a composite Health Grade of B (70/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Evergreen Bank Group (FDIC cert 35230) is a mid-sized bank with $1.5B in total assets and $1.3B in deposits, based in Oak Brook, Illinois. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is strong: Tier 1 capital ratio of 12.55% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.27% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is thin: 14.6% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is thin: ROA of 0.37% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Evergreen Bank Group carries a composite BankHealth grade of B (70/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Evergreen Bank Group
- Total Assets
- $1.5B
- Total Deposits
- $1.3B
- Tier 1 Capital Ratio
- 12.55%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.27%
- Liquidity Ratio
- 14.63%
- Return on Assets
- 0.37%
- Headquarters
- Oak Brook, Illinois
- FDIC Certificate
- #35230
- Health Grade
- B (70/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Evergreen Bank Group holds a Tier 1 capital ratio of 12.55%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Evergreen Bank Group has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Evergreen Bank Group shows strong financial health indicators. With $1.5B in assets and a Health Score of 70/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Evergreen Bank Group Compares
Evergreen Bank Group’s Health Score of 70 is 2 points below the Illinois state average of 72 across 333 FDIC-insured banks. Its 12.55% Tier 1 capital ratio is 1.4 points below the US banking industry average near 14%. The 0.27% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.37% is below the national ROA benchmark of ~1.1%. Among 793 similarly-sized banks, the average Health Score is 72, meaning this bank ranks below its size cohort.
Frequently Asked Questions
Evergreen Bank Group has a Bank Health Score of B (70/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 12.55%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Evergreen Bank Group's Tier 1 capital ratio of 12.55% and nonperforming loan ratio of 0.27% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Evergreen Bank Group is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #35230). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Evergreen Bank Group holds $1.5B in total assets and $1.3B in total deposits. It is headquartered in Oak Brook, Illinois (FDIC Certificate #35230).
Evergreen Bank Group has a Tier 1 capital ratio of 12.55%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.27%, and the return on assets is 0.37%.
Yes. Evergreen Bank Group is FDIC-insured (Certificate #35230). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Evergreen Bank Group's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.