Institution Profile
Address: 146 W Front St Evergreen, AL 36401
Website:
FDIC Profile:
Established:
9/1/1932
Branches:
1
Branches by Region
AL 1
Financial Overview
Total Assets
$77.31M
Total Deposits
$68.01M
Total Loans
$31.71M
Equity Capital
$8.97M
Employees
12
Allowance for Loan Losses
$514,000
Performance Ratios
Net Worth Ratio
11.60%
Loan-to-Deposit Ratio
46.62%
Coverage Ratio
1.62% Allowance / Total Loans
Net Income
$562,000
Return on Assets (ROA)
0.74%
Return on Equity (ROE)
7.02%
Assets, Loans & Deposits Over Time
Assets, Loans & Deposits Over Time
Total Assets: +27.97% Total Deposits: +30.50% Total Loans: -3.13% since 2020 Q1
Employee Growth
Employee Growth
Employees: -20.00% since 2020 Q1
Loan Portfolio Breakdown
Current outstanding balances by loan type
1-4 Family Residential
$10.05M 31.7%
Commercial Real Estate
$8.94M 28.2%
Commercial & Industrial
$5.90M 18.6%
Construction
$3.41M 10.8%
Other Consumer
$1.76M 5.6%
Farmland
$733,000 2.3%
Auto Loans
$483,000 1.5%
Multifamily
$392,000 1.2%
Portfolio Distribution
Net Income Trend
Net Income Trend
Net Income: +531.46% since 2020 Q1
Historical Data Table
| Quarter | Total Assets | Total Deposits | Total Loans | Net Income | Employees |
|---|---|---|---|---|---|
| 2025 Q4 | $77.31M | $68.01M | $31.71M | $562,000 | 12 |
| 2025 Q3 | $76.42M | $67.36M | $32.52M | $374,000 | 12 |
| 2025 Q2 | $75.02M | $66.88M | $32.51M | $222,000 | 12 |
| 2025 Q1 | $75.98M | $67.23M | $30.95M | $129,000 | 12 |
| 2024 Q4 | $77.44M | $68.38M | $31.43M | $368,000 | 12 |
| 2024 Q3 | $79.84M | $68.81M | $30.97M | $222,000 | 13 |
| 2024 Q2 | $77.67M | $67.85M | $31.29M | $123,000 | 13 |
| 2024 Q1 | $74.79M | $67.94M | $26.86M | $59,000 | 13 |
| 2023 Q4 | $74.13M | $66.71M | $26.49M | $351,000 | 13 |
| 2023 Q3 | $70.73M | $63.28M | $24.09M | $249,000 | 13 |
| 2023 Q2 | $72.95M | $65.60M | $24.93M | $146,000 | 13 |
| 2023 Q1 | $75.24M | $69.26M | $24.39M | -$1,000 | 13 |
| 2022 Q4 | $76.38M | $70.65M | $23.31M | $558,000 | 13 |
| 2022 Q3 | $77.73M | $72.44M | $23.76M | $369,000 | 13 |
| 2022 Q2 | $75.95M | $70.25M | $23.97M | $237,000 | 13 |
| 2022 Q1 | $76.06M | $68.65M | $24.27M | $115,000 | 13 |
| 2021 Q4 | $75.73M | $66.58M | $26.10M | $528,000 | 13 |
| 2021 Q3 | $73.25M | $63.97M | $26.49M | $383,000 | 15 |
| 2021 Q2 | $71.96M | $62.82M | $26.65M | $287,000 | 15 |
| 2021 Q1 | $68.81M | $60.00M | $27.24M | $114,000 | 15 |
| 2020 Q4 | $68.51M | $59.37M | $29.59M | $345,000 | 15 |
| 2020 Q3 | $63.38M | $54.29M | $34.15M | $181,000 | 15 |
| 2020 Q2 | $64.43M | $55.36M | $36.00M | $159,000 | 15 |
| 2020 Q1 | $60.41M | $52.12M | $32.73M | $89,000 | 15 |