This institution is no longer active

Operations ceased on July 1, 2025. CRA examination history below reflects the period it was active.

EVERGREEN BANK GROUP

OAK BROOK, IL · Supervised by FDIC

Est. 1999FDIC #35,230RSSD: FDIC-35230

Part ofBANCORP FINANCIAL INC→ View all charters

Satisfactory Same

Current rating · Exam: December 2024

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.56%

Is this bank safe?

EVERGREEN BANK GROUP holds a Satisfactory CRA rating (2024), meets basic financial requirements (ROA +0.56%).

Institution Profile

FDIC BankFind

Address

1515 W 22nd St Ste 100w, OAK BROOK, IL

County

Dupage County

Established

October 5, 1999

Total Assets

$1.4B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

December 1, 2024

Exam Type

Strategic Plan

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Dec 2028(based on asset size)

Financial Snapshot

As of Q2 2025Call Report / FDIC

Total Assets

$1.4B

Total Deposits

$1.2B

Net Loans

$1.2B

Net Income

$4M

ROA

0.56%

Below avg for Community banks. Peer avg: 0.90%

ROE

5.06%

Risk-Based Capital

14.02%

Above avg for Community banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

ROA0.56%Peer avg: 0.90%▼ Below avg

Risk-Based Capital14.02%Peer avg: 12.91%▲ Above avg

Mortgage Denial Rate27.18%Peer avg: 10.20%▲ More than avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$1.2B

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	824	49.27%	27.18%
2023	359	70.47%	21.73%
2022	487	79.06%	16.22%
2019	31	77.42%	12.90%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Dec 2024	Satisfactory	Strategic Plan
Apr 2022	Satisfactory	Strategic Plan
Feb 2019	Satisfactory	Strategic Plan

5 previous ratings locked — back to 2001

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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