# EVERBANK NATIONAL ASSN
JACKSONVILLE, FL · FDIC certificate 34775 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *lender to lenders*. 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 | $46.69B | |
| Deposits | $37.81B | |
| Loans and leases | $37.06B | |
| Total equity | $4.28B | |
| Loans / deposits | 97.21% (p86 of band) | 85.78% |
| Liquid assets / assets | 18.80% (p32 of band) | |
| Uninsured deposits / deposits | 13.47% (p17 of band) | 38.39% |
| Brokered deposits | 1.37% | |
| Wholesale funding | 9.63% (p61 of band) | |
| FHLB advances / assets | 8.27% | |
| Tier 1 leverage | 9.05% (p20 of band) | 10.17% |
| Unrealized securities loss / equity | -2.96% (p74 of band) | -7.43% |
| AOCI / equity | -0.24% (p57 of band) | |
| ROA (annualized) | 1.00% (p29 of band) | 1.24% |
| Net interest margin | 2.70% (p17 of band) | 3.57% |
| Efficiency ratio | 51.67% (p41 of band) | |
| Noncurrent loans | 1.42% (p86 of band) | 0.66% |
| Net charge-offs (annualized) | 0.02% (p19 of band) | |
| Reserve coverage of noncurrent | 59.05% | |
| Real estate % of loans | 41% | |
| Construction % of loans | 2.57% (p17 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $15.81B (369% of equity) (p98 of band) | |
| Deposits YoY | 8.6% | |
| Employees | 1713 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)
- **loans-to-lenders >50% equity** (`conc_warehouse`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | brokered >10%, wholesale funding >15%, expense ratio p90, noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 4 |  | expense ratio p90 |
| 2011-09 | 6 | capital falling, expense ratio p90 |  |
| 2011-12 | 6 |  |  |
| 2012-03 | 6 |  |  |
| 2012-06 | 6 | loans exceed deposits | capital falling |
| 2012-09 | 6 | loans-to-lenders >50% equity | loans exceed deposits |
| 2012-12 | 8 | loans exceed deposits, capital falling |  |
| 2013-03 | 6 |  | expense ratio p90, capital falling |
| 2013-06 | 7 | expense ratio p90 |  |
| 2013-09 | 6 |  | loans exceed deposits |
| 2013-12 | 7 | loans exceed deposits |  |
| 2014-03 | 8 | liquid assets <10% |  |
| 2014-06 | 7 |  | expense ratio p90 |
| 2014-09 | 7 |  |  |
| 2014-12 | 7 |  |  |
| 2015-03 | 9 | capital falling, expense ratio p90 |  |
| 2015-06 | 7 |  | capital falling, expense ratio p90 |
| 2015-09 | 7 |  |  |
| 2015-12 | 8 | capital falling |  |
| 2016-03 | 7 |  | capital falling |
| 2016-06 | 8 | expense ratio p90 |  |
| 2016-09 | 8 | capital falling | expense ratio p90 |
| 2016-12 | 7 |  | capital falling |
| 2017-03 | 7 |  |  |
| 2017-06 | 10 | losing money, expense ratio p90, NIM <2.5% |  |
| 2017-09 | 9 |  | losing money |
| 2017-12 | 8 | capital falling | brokered >10%, expense ratio p90 |
| 2018-03 | 8 | expense ratio p90 | NIM <2.5% |
| 2018-06 | 7 |  | capital falling |
| 2018-09 | 6 |  | liquid assets <10% |
| 2018-12 | 7 | liquid assets <10% |  |
| 2019-03 | 8 | capital falling |  |
| 2019-06 | 9 | NIM <2.5% |  |
| 2019-09 | 9 |  |  |
| 2019-12 | 8 |  | liquid assets <10% |
| 2020-03 | 8 | losing money | expense ratio p90 |
| 2020-06 | 9 | expense ratio p90 |  |
| 2020-09 | 9 |  |  |
| 2020-12 | 8 |  | capital falling |
| 2021-03 | 8 | deposits shrinking, assets shrinking | losing money, expense ratio p90 |
| 2021-06 | 9 | expense ratio p90 |  |
| 2021-09 | 8 |  | expense ratio p90 |
| 2021-12 | 8 |  |  |
| 2022-03 | 6 |  | deposits shrinking, assets shrinking |
| 2022-06 | 6 |  |  |
| 2022-09 | 6 |  |  |
| 2022-12 | 8 | losing money, expense ratio p90 |  |
| 2023-03 | 8 | deposits shrinking, uninsured deposits leaving | losing money, expense ratio p90 |
| 2023-06 | 10 | expense ratio p90, assets shrinking |  |
| 2023-09 | 8 |  | loans exceed deposits, deposits shrinking |
| 2023-12 | 7 |  | uninsured deposits leaving |
| 2024-03 | 5 |  | expense ratio p90, assets shrinking |
| 2024-06 | 6 | capital falling |  |
| 2024-09 | 6 |  |  |
| 2024-12 | 5 |  | noncurrent p90 |
| 2025-03 | 4 |  | capital falling |
| 2025-06 | 2 |  | wholesale funding >15%, NIM <2.5% |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

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

- 2025-03-11 [City National Bank plots aggressive Tampa Bay expansion - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxPSnBtcWhxQ3hLUWZibTZ4dTR3WWp1YTc4dW1aRVVyenlXd3g1eFkteUhNX1Q2RGcwdTUwTHNfT3p6SENrSzBRZmgzbjB3TS1WLXlBMkZKZHgxQWtWcTY1cjl4U3RCV080SVBhV2Z1VkNVS096TXdFTmE1TVgzUTk0THlQRzNaUGFSNWFnX25BbG5rT0Z0VjRyTFI4VGVYa0FCbHZHRjZn?oc=5) · The Business Journals
- 2025-06-10 [Fifth Third shakes up Florida leadership with new commercial banking exec - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNZ1pZSUdVYmhvZ3J0T2RwcnBkWkF2VWh2ZnpZY29rVjdkZzRTNTVPQlRfQ1FfVFRYLUtYbjhnQVItcVBZWkw0elFlQ2F5cExwbHI2dFdCc21oc1kzM3RSVzQtMjd0YmZSamVMNWxieUxuRU1PZHJDbWItcEFwa0pEcFZxRGZlWUZ1SzhPVmRHX3VfTUh6Zi13OHZDMDBXekFfWDctbzNkb1NZQ1k?oc=5) · The Business Journals
- 2025-03-03 [Seacoast to acquire Sebring bank in first deal since 2022 - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxNZnJVYTc3cDJSaUdrc09HQW5mQ216TnVacm9pMTF5U3Q5WjRXYWtLTzg1WDRqZUdtVmxzdDBhblpTaDQ4bGRIQTloUEJRakZfdlpaZThuNDluN3Z0VzhROTJFZFd2YWRpOG9QcWZkWHlyYU1iWjRsZHE4ZlRvU05GSGt0V2pXUHhWTU0xRkVUeGEwS2lFMS0ySUt0U3RPbXc?oc=5) · The Business Journals
- 2025-02-04 [How Trump's proposed tariffs could impact billions in Central Florida trade - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQNGZxUExYNU5xbkpuQ0ZINEFtMTJ4S0lINDlHTHotVm81MEVta241aGhNQnZTTFEyUmdpc0VCYVhVQ2pfc1A5ekFmYkd1VGlFbXpYSE5ZSlpqZHNIbFZ4UVRmb0J4dTBWbmZQa3lVTVJSWjI5SU5mcHBQZ3Y3Yk5PXzhFZFdkd2Z0ejhuS19BUncyRWlDYjhfd0hrRndTZE15RWlzczZFVXZRb0E?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34775 (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/23.json (key "34775", 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide