BlastPoint's Banking Scorecard
EverBank, National Association
Jacksonville, FL
43 branches across CA · FL · NY · MO
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 7 in FL.
- Deposits +8.6% year over year ($37.8B on the books).
- Delinquency rate 1.43%.
- Return on assets 1.00%.
- Efficiency ratio 51.67% vs a 53.67% peer average.
- Loan-to-deposit ratio 97.21% vs a 82.61% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
EverBank, National Association has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 2.01% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.39% below tier average
- - Net Interest Margin 1.22% below tier average
- - Delinquency Rate 0.41% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$46.7B
+5.0% YoY
-1.1% QoQ
|
+$3.1B |
$43.6B
-13.8% YoY
|
$4.3B
+7.0% YoY
|
$6.3B
+7.7% YoY
|
76% |
| Total Loans ? |
$36.8B
+12.3% YoY
-0.9% QoQ
|
+$8.8B |
$28.0B
-8.6% YoY
|
$3.0B
+8.2% YoY
|
$3.2B
+9.4% YoY
|
79% |
| Total Deposits ? |
$37.8B
+8.6% YoY
+0.3% QoQ
|
+$2.4B |
$35.4B
-14.0% YoY
|
$3.5B
+7.0% YoY
|
$4.9B
+7.3% YoY
|
76% |
| Return on Assets ? |
1.00%
+48.1% YoY
+8.9% QoQ
|
-0.39% |
1.39%
+25.9% YoY
|
0.62%
-8.3% YoY
|
1.30%
+12.1% YoY
|
26% |
| Net Interest Margin ? |
2.70%
+3.8% YoY
+0.3% QoQ
|
-1.22% |
3.92%
+8.9% YoY
|
3.70%
+0.5% YoY
|
3.95%
+4.9% YoY
|
Bottom 12.9% in tier |
| Efficiency Ratio ? |
51.67%
-13.3% YoY
+0.3% QoQ
|
-2.01% |
53.67%
-1.9% YoY
|
199.20%
+161.3% YoY
|
70.05%
+2.5% YoY
|
63% |
| Delinquency Rate ? |
1.43%
-4.9% YoY
-3.1% QoQ
|
+0.41% |
1.01%
-2.8% YoY
|
0.61%
-2.0% YoY
|
0.98%
+16.3% YoY
|
15% |
| Loan-to-Deposit Ratio ? |
97.21%
+3.5% YoY
-1.2% QoQ
|
+14.60% |
82.61%
+3.1% YoY
|
72.91%
-1.7% YoY
|
79.03%
+2.3% YoY
|
Bottom 12.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
5.39%
-8.6% YoY
+11.6% QoQ
|
-15.19% |
20.58%
+4.9% YoY
|
27.35%
-2.5% YoY
|
21.98%
-0.6% YoY
|
19% |
| Nonperforming Asset Ratio ? |
1.14%
+1.5% YoY
-3.2% QoQ
|
+0.41% |
0.73%
+5.8% YoY
|
0.42%
-2.6% YoY
|
0.69%
+15.8% YoY
|
Bottom 12.2% in tier |
| Tier 1 Capital Ratio ? |
13.04%
+10.7% YoY
+4.1% QoQ
|
-2.31% |
15.35%
-0.4% YoY
|
19.50%
+8.2% YoY
|
17.09%
+0.8% YoY
|
55% |
| Non-Interest Income / Assets ? |
0.11%
+9.0% YoY
+96.1% QoQ
|
-0.39% |
0.50%
+10.5% YoY
|
1.02%
+6.4% YoY
|
0.66%
+5.2% YoY
|
Bottom 10.8% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
5.4%
-0.5pp YoY +0.6pp QoQ |
-15.6pp | 21.0% | 27.7% | 22.2% | 16% |
| Brokered Deposits |
1.7%
-1.0pp YoY -3.2pp QoQ |
-7.5pp | 9.2% | 8.7% | 8.5% | 23% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
4.1%
+0.7pp YoY +0.4pp QoQ |
-13.0pp | 17.2% | 12.9% | 12.5% | 9% |
| CRE |
21.7%
-0.5pp YoY +0.5pp QoQ |
-20.3pp | 42.0% | 50.6% | 41.4% | 15% |
| 1-4 Family |
19.6%
-4.5pp YoY -0.7pp QoQ |
-3.6pp | 23.1% | 30.7% | 31.3% | 43% |
| Consumer |
2.7%
+1.4pp YoY +0.8pp QoQ |
-10.2pp | 12.9% | 3.7% | 5.0% | 58% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.0%
+1.3pp YoY +0.5pp QoQ |
-2.2pp | 15.3% | 19.8% | 19.7% | 56% |
| Leverage Ratio |
9.0%
+0.4pp YoY 0.0pp QoQ |
-1.4pp | 10.4% | 13.9% | 12.6% | 17% |
| Total Capital Ratio |
14.0%
+1.3pp YoY +0.5pp QoQ |
-2.5pp | 16.5% | 21.1% | 20.8% | 43% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
1,713
-140 (-7.6%) YoY -51 (-2.9%) QoQ |
-1,545 | 3,258 | 295 | 482 | 40% |
| Assets per Employee ($) |
$27.3M
+13.6% YoY +1.8% QoQ |
+$228K | $27.0M | $10.3M | $8.8M | 85% |
| Branch Count |
43
+6 (+16.2%) YoY +2 (+4.9%) QoQ |
-95 | 137 | 13 | 18 | 34% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.9%
-0.1pp YoY 0.0pp QoQ |
+0.5pp | 0.4% | 0.3% | 0.4% | 93% |
| Nonaccrual |
0.6%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.7% | 0.7% | 1.0% | 47% |
| Allowance Coverage |
0.59x
+4.9% YoY +5.9% QoQ |
-2.22x | 2.81x | 16.62x | 20.23x | 10% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.4pp | 0.4% | 0.2% | 0.2% | 10% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.1%
+3.5pp YoY +0.8pp QoQ |
-1.5pp | 12.6% | 9.3% | 11.6% | 51% |
| Cost of Funds (YTD) |
2.7%
-0.3pp YoY 0.0pp QoQ |
+0.7pp | 2.0% | 1.8% | 1.7% | 87% |
| Net Income ($, YTD) |
$233.1M
+63.1% YoY — QoQ |
-$63.7M | $296.8M | $25.2M | $40.4M | 66% |
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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.