EverBank
EverBank reported total assets of $46.7 bn at Q2 2026, up 5.0% on a year earlier, the 52nd largest of 497 banks in our US coverage. The CET1 capital ratio at EverBank was 13.04%, and the uninsured share of EverBank was 13.47%. Source: FDIC Call Reports.
Key takeaways
- On common equity tier 1 (CET1) ratio, EverBank climbed from 361st to 228th among 448 US banks between and (1 = highest; FDIC Call Reports).
- Since , EverBank has taken over 2 institutions; the latest was Sterling Bank and Trust, FSB on (FDIC Call Reports).
What sets EverBank apart
How large is EverBank?
The balance sheet of EverBank at : assets $46.7 bn, deposits $37.8 bn, net loans $36.8 bn (loans equal to 97.21% of deposits). Securities make up 16.9% of total assets at EverBank. Since , when EverBank held $26.6 bn, its assets grew 75.3%. In the year to , deposits at EverBank rose 8.6% while its total assets rose 5.0%. At , EverBank employed 1,713 full-time equivalent staff across 43 offices, about $27.3 mn of assets per employee and $879.3 mn of deposits per office.
How much funding at EverBank is uninsured?
At EverBank, uninsured deposits (above the FDIC limit) made up 13.47% of domestic deposits at (-0.83 pp on a year earlier); EverBank ranks 455th of 500 on this measure. In dollars, EverBank estimated $5.1 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $37.8 bn | +8.6% | 53rd of 499 |
| Net loans and leases | $36.8 bn | +12.3% | 48th of 500 |
| Loan-to-deposit ratio | 97.21% | +3.25 pp | 87th of 500 |
| Tier 1 leverage ratio | 9.05% | +0.40 pp | 426th of 500 |
| Total risk-based capital ratio | 13.98% | +1.31 pp | 254th of 448 |
| Net interest margin | 2.70% | +0.10 pp | 451st of 500 |
| Return on assets (ROA) | 1.00% | +0.32 pp | 382nd of 500 |
| Efficiency ratio | 51.67% | -7.91 pp | 165th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $1.6 mn | Narrowed by $173,000 | |
| Unrealized gain/loss on available-for-sale securities | Loss of $106.2 mn | Narrowed by $105.0 mn | |
| Noncurrent loans to total loans | 1.42% | -0.07 pp | 415th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.02% | +0.01 pp | 137th of 500 (1 = lowest) |
US rank of EverBank: 1 = highest unless marked 1 = lowest.
Balance sheet
EverBank: assets, deposits and loans
- Total assets $46.7bn
- Deposits $37.8bn
- Net loans $36.8bn
Capital and securities
The CET1 ratio of EverBank stood at 13.04% in , +1.26 pp year on year. Low and high at EverBank since : 11.48% () to 16.01% (). Equity capital of EverBank at : $4.3 bn, or 9.2% of total assets. EverBank also reported a total capital ratio of 13.98% for , and a tier 1 leverage ratio of 9.05%.
On held-to-maturity securities, EverBank carried an unrealized loss of $1.6 mn at , equal to 0.0% of equity capital. The loss narrowed by $173,000 over the year. Its deepest point: $6.4 mn in . The available-for-sale portfolio of EverBank showed an unrealized loss of $106.2 mn at ; the loss narrowed by $105.0 mn over the year.
EverBank: capital ratios
- Total capital 14%
- CET1 13%
- Tier 1 leverage 9.0%
EverBank: unrealized securities gains and losses
- Available for sale -$106mn
- Held to maturity -$2mn
Profitability and loan quality
For the year to , EverBank earned a return on equity of 11.14%; return on assets: 1.00%. Net interest margin at EverBank: 2.70%, +0.10 pp in a year. EverBank net income: $233.1 mn, up 63.1% year on year. The efficiency ratio of EverBank was 51.67%: about 52 cents cost per revenue dollar, against 54 cents at the median peer.
At , noncurrent loans were 1.42% of total loans at EverBank; net charge-offs: 0.02% of average loans. Gross loans and leases at EverBank: $37.1 bn, up 12.3% in a year.
EverBank: profitability
- Return on equity 11%
- Net interest margin 2.7%
- Return on assets 1.0%
Peer group of EverBank
The peer group of EverBank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 3 share the charter type of EverBank (national bank), 6 sit in the same size group ($10 bn to $100 bn) and 1 has its head office in Florida. Against them, EverBank shows CET1 ratio 13.04% against a peer median of 12.99%, return on equity 11.14% against a peer median of 10.75% and uninsured deposit share 13.47% against a peer median of 41.45%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| BOKF | National bank | OK | $53.0 bn | 12.29% | 11.57% | 52.92% | |
| Associated Bank | National bank | WI | $51.8 bn | 10.23% | 9.94% | 48.97% | |
| First National Bank of Pennsylvania | National bank | PA | $50.8 bn | 11.40% | 8.90% | 40.17% | |
| EverBank | National bank | FL | $46.7 bn | 13.04% | 11.14% | 13.47% | |
| Raymond James Bank | State member bank | FL | $45.6 bn | 15.13% | 22.98% | 8.81% | |
| Prosperity Bank | State nonmember bank | TX | $43.9 bn | 15.24% | 7.42% | 42.73% | |
| Barclays Bank Delaware | State nonmember bank | DE | $43.5 bn | 13.69% | 17.40% | 7.18% | |
. FDIC Call Reports.
Last eight quarters
Two years at EverBank, to : assets +17.1%, deposits +21.8%, equity +17.4%. Staff 1,562 to 1,713; offices 13 to 43.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $39.9 bn | $40.8 bn | $41.9 bn | $44.4 bn | $44.8 bn | $46.0 bn | $47.2 bn | $46.7 bn |
| Total deposits | $31.0 bn | $32.0 bn | $30.8 bn | $34.8 bn | $35.7 bn | $37.0 bn | $37.7 bn | $37.8 bn |
| Bank equity capital | $3.6 bn | $3.7 bn | $3.7 bn | $3.8 bn | $4.0 bn | $4.1 bn | $4.2 bn | $4.3 bn |
| CET1 ratio | 13.52% | 12.98% | 12.86% | 11.78% | 13.07% | 12.37% | 12.52% | 13.04% |
| Return on equity (ROE) | 6.71% | 6.95% | 7.96% | 7.63% | 8.50% | 8.10% | 10.34% | 11.14% |
| Uninsured share of domestic deposits | 14.27% | 14.82% | 13.85% | 14.30% | 13.38% | 13.71% | 13.30% | 13.47% |
| Full-time equivalent employees | 1,562 | 1,590 | 1,627 | 1,853 | 1,864 | 1,848 | 1,764 | 1,713 |
| Number of offices | 13 | 15 | 19 | 37 | 38 | 40 | 41 | 43 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of EverBank, oldest first; figures before and after each event are not like for like.
- . Absorbed TIAA-CREF Trust Company, FSB (FDIC certificate 34723).
- . Absorbed Sterling Bank and Trust, FSB (FDIC certificate 32232).
Questions and identifiers
What were the total assets of EverBank?
EverBank reported $46.7 bn at in its Call Report. That makes EverBank the 52nd largest of 497 banks in our US coverage.
Is EverBank the same as its holding company?
No. This page covers EverBank, FDIC certificate 34775; EVERBANK FINANCIAL CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is EverBank profitable?
EverBank reported net income of $233.1 mn for the year to ; annualized return on equity: 11.14%. So yes: EverBank made a profit over these months.
When is data for EverBank next updated?
Figures from EverBank for are due after .
Where can I check the figures for EverBank?
In the FDIC BankFind Suite record for certificate 34775, and in the Call Reports of EverBank (RSSD ID 2735146) at the FFIEC Central Data Repository.