BlastPoint's Banking Scorecard
EverBank, National Association
Jacksonville, FL
43 branches across CA · FL · NY · MO
EverBank, National Association has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 2.40% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 17.53% above tier average
- - Nonperforming Asset Ratio 0.46% above tier average
- - ROA 0.37% below tier average
- - Net Interest Margin 1.08% below tier average
- - Delinquency Rate 0.45% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$47.2B
+12.8% YoY
+2.6% QoQ
|
-$128.5M |
$47.4B
-2.0% YoY
|
$4.3B
+10.8% YoY
|
$6.2B
+9.0% YoY
|
75% |
| Total Loans ? |
$37.1B
+23.8% YoY
+4.1% QoQ
|
+$7.5B |
$29.6B
-0.4% YoY
|
$3.0B
+12.4% YoY
|
$3.2B
+10.7% YoY
|
78% |
| Total Deposits ? |
$37.7B
+22.3% YoY
+2.0% QoQ
|
-$1.1B |
$38.7B
-1.6% YoY
|
$3.6B
+11.7% YoY
|
$4.8B
+8.0% YoY
|
74% |
| Return on Assets ? |
0.92%
+28.2% YoY
+27.5% QoQ
|
-0.37% |
1.28%
+19.3% YoY
|
0.83%
+61.5% YoY
|
1.24%
+13.1% YoY
|
24% |
| Net Interest Margin ? |
2.69%
+8.6% YoY
-0.6% QoQ
|
-1.08% |
3.77%
+5.6% YoY
|
3.75%
+4.2% YoY
|
3.89%
+5.7% YoY
|
16% |
| Efficiency Ratio ? |
51.50%
-11.9% YoY
-8.6% QoQ
|
-2.40% |
53.90%
-4.0% YoY
|
71.93%
-25.2% YoY
|
66.84%
-3.8% YoY
|
64% |
| Delinquency Rate ? |
1.48%
-14.8% YoY
+11.7% QoQ
|
+0.45% |
1.02%
-4.1% YoY
|
0.63%
-5.7% YoY
|
0.95%
+18.8% YoY
|
Bottom 14.9% in tier |
| Loan-to-Deposit Ratio ? |
98.42%
+1.2% YoY
+2.1% QoQ
|
+17.53% |
80.88%
+2.0% YoY
|
73.79%
+1.2% YoY
|
76.69%
+0.9% YoY
|
Bottom 8.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
4.83%
+19.7% YoY
+18.6% QoQ
|
-15.00% |
19.82%
+0.3% YoY
|
27.22%
-2.5% YoY
|
22.01%
-1.1% YoY
|
20% |
| Nonperforming Asset Ratio ? |
1.18%
-6.9% YoY
+13.0% QoQ
|
+0.46% |
0.73%
+4.0% YoY
|
0.43%
-5.1% YoY
|
0.66%
+19.3% YoY
|
Bottom 8.9% in tier |
| Tier 1 Capital Ratio ? |
12.52%
-2.6% YoY
+1.2% QoQ
|
-3.04% |
15.56%
-0.1% YoY
|
16.64%
-24.7% YoY
|
17.06%
+0.8% YoY
|
41% |
| Non-Interest Income / Assets ? |
0.06%
+6.5% YoY
-85.0% QoQ
|
-0.17% |
0.23%
+0.9% YoY
|
0.50%
+7.6% YoY
|
0.32%
+4.0% YoY
|
Bottom 14.1% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.