# EVERMORE BANK
FORT LAUDERDALE, FL · FDIC certificate 59306 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 0 (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 | $316.9M | |
| Deposits | $269.1M | |
| Loans and leases | $268.2M | |
| Total equity | $42.0M | |
| Loans / deposits | 98.52% (p87 of band) | 82.04% |
| Liquid assets / assets | 14.93% (p16 of band) | |
| Uninsured deposits / deposits | 45.77% (p93 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.95% (p34 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.52% (p83 of band) | 10.81% |
| Unrealized securities loss / equity | -0.37% (p92 of band) | -8.10% |
| AOCI / equity | -0.32% (p52 of band) | |
| ROA (annualized) | 0.70% (p17 of band) | 1.28% |
| Net interest margin | 3.50% (p28 of band) | 3.91% |
| Efficiency ratio | 62.02% (p52 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 88% | |
| Construction % of loans | 63.45% (p67 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 33.1% | |
| Employees | 29 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2022-12 | 4 | uninsured deposits >50%, losing money, expense ratio p90, NIM <2.5% |  |
| 2023-03 | 2 |  | uninsured deposits >50%, NIM <2.5% |
| 2023-06 | 3 | capital falling |  |
| 2023-09 | 4 | loans exceed deposits |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 3 |  | loans exceed deposits |
| 2024-06 | 3 |  |  |
| 2024-09 | 1 |  | expense ratio p90, capital falling |
| 2024-12 | 0 |  | losing money |
| 2025-03 | 1 | capital falling |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 0 |  | capital falling |

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

- 2026-06-21 [Ex-Amerant executive proposes Broward bank - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxQNXR5VFFTRDNaNzVtRl8wTFZPZjFBemctOHFPMDRNcVo3aDdvSUpIQmZIQ3FTZGRWT281MVZiRUhCMHhGWk5TMzBjYmxkWXkwRXAzZHA2YXFKZVduWHYwMFdQWmIyNThxVWE1Wm83LWtmc1E0NngzY2hYVklOeksyeVI4VmRyb0JDdFIwemtTTDdpRkppX0RaMHNVQzlteHg3eUlRWDdnTQ?oc=5) · The Business Journals
- 2022-12-14 [Evermore, a new community bank, opening in Fort Lauderdale - Sun Sentinel](https://news.google.com/rss/articles/CBMingFBVV95cUxNai1qRDdWMFRxWmR6TF9lTUJMekxCbE5YX01NVEU3aDNYdjh1TGM3Y0lhdlBxZEpvVktjWVQtbkZIbUhsNE15WjlWX3RPdU5KbWNOUzhWRW0wYVNwaV9FWV9vTFZ2S1YyaFNyUEVVa2xWTGJTT1ByTnFreE83SGdHYUh1c3JqbXhYdVViMGpxS3hHNXNzVFhtUEZ4ZGZ3dw?oc=5) · Sun Sentinel
- 2025-02-26 [Community bank to move Palm Beach County branch to another city - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxQRUcwUjhzcWY1Y1FWVUVCTHk2bU5nZWw0ZVQ0M1A2SGZFaWhVT0lBQ2VuSFlQWEhRUEJIZkpOUG12WlpWellBQW1kQ0oyMUpDV1F0b21ERVBfZjh0aU9jQXYyVGoyRlRjZXBGaGp1SXhVMXJ3OVlYRXYwcXlXWnExQTBKNFR1c2ozOVhDbkFPQzRxSTRCUTVDa0MtR2hVZG04MHJxVGFlcWJ0V0FpWEE?oc=5) · The Business Journals
- 2022-12-13 [South Florida’s newest bank slated to open this week - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOSHhjeWp3Q090UlRkQW40T2ktQm05RHRwcVlBOTdwRk9BeXZGcEZnd01TRDJkZkpMeW9wb19Tc0RmMWZjUjlSUl9jYjlISGZxVlhyQXZiU2l5ME5VaEprejBmNmFsSXpHcUN0YUtCSHFkOVhocG0wRVVBZzZnVFNiWUtzRDBkTGl4a2o0eGttV3RUdHdGM01qQ2dJd3kwTDNTSERJcEVDNGtJUEU?oc=5) · The Business Journals
- 2026-06-05 [Former Amerant executive proposes bank in Broward County - The Business Journals](https://news.google.com/rss/articles/CBMingFBVV95cUxNR1FlSk0wRmNiV0dmY2FnLXQycjlseVFNVDhBYjJTZUdGN2MtbDE2YU4wbzF3MFJMeDludVR2UXJMaVYyS0ZlYW9SUUtacEdDaXhyU1hTQmhSNnFhS0J0d1JseHgwREtmOE1JMUZxSVB5bTZOYkptcG5WQ0htdzZpcGNNWVUwY1U1WlpzM08xVWVBZUhnUWxYaWZJbjJtZw?oc=5) · The Business Journals
- 2025-08-06 [New York bank opens its 1st Florida private client office in South Florida - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOaVpBdDR1ckV2dmdzdzk5anF0MG00VzBXUklaRXpnS18teE1RUkE4MUpRM3dPcXNZRjdRTDc3TWVveDkxb1lZbDNWXzQxNTVxQUpGV2xCNDg3NGhVN1NCVGZKaUFhVHliejJod3hZSzdXTUwzY212VzlxcG41TktUbzNuaDU4R0M0aW5RTEdoeHlDRkYxVGprWTdEZWdpamhoQ2pYVk1hYk8?oc=5) · The Business Journals
- 2025-07-18 [BankUnited expands into major out-of-state banking hub - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxPQ3JydHNuTFg4OGlhbF9ZUmNtU3Nzcnl3dHg4ZEppVzlJVmRBaUd0T1JOb19rZGFBLUU3SjZVYTlOY1JKZVFsMGxnZlpHVkVsVjNuS2lPMkdya2Z1TXl0aXlqd2tTa3dQaWN4cGZONDZ0NVBxaGpVNUZ2ZGRIUEJGb3BsQzlRRENfT3lLM0FUX3Vyb2NnN0ZDNmxMcGJmWEs4Q1JGVTR5amFBYVpwSHNj?oc=5) · The Business Journals
- 2025-07-23 [Longtime BankUnited CFO to retire, former Wells Fargo, Bank of America executive to succeed - The Business Journals](https://news.google.com/rss/articles/CBMisAFBVV95cUxNUEJ2d2V6UXhjOF9YMmx3S0xXc3F5dXp0ZWo2QThSZzhvbV9zQV94RDIwWWdsRWRDSW9qS1hjX3ZpUWtjU0J6blhTaWZZaFJWOG4xRE1pRUZmVU5yOWRnMG5aRVdkQnVQZnFfYmE5NDJHeUdyamxjTHF5QlYwR3hrZV9JNGxQRlZDcVdBRlcwRVIyeFlabjVkUVpWb3A5M0FPNzZ5VWdlcDJQWkQ5bXlpag?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=59306 (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/42.json (key "59306", 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.

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