BlastPoint's Banking Scorecard
Evermore Bank
Fort Lauderdale, FL
2 branches across FL
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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 44 in FL.
- Deposits +33.1% year over year ($269.1M on the books).
- Delinquency rate 0.00%.
- Return on assets 0.70%.
- Efficiency ratio 62.02% vs a 64.48% peer average.
- Loan-to-deposit ratio 98.52% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Evermore Bank has 3 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.92% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
- + Efficiency Ratio 2.46% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 15.25% below tier average
- - Non-Interest Income / Assets 0.50% below tier average
- - ROA 0.63% below tier average
- - Net Interest Margin 0.49% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$316.9M
+29.9% YoY
+0.8% QoQ
|
-$69.6M |
$386.6M
+1.2% YoY
|
$4.3B
+7.0% YoY
|
$6.3B
+7.7% YoY
|
49% |
| Total Loans ? |
$265.2M
+31.2% YoY
+7.6% QoQ
|
+$6.8M |
$258.3M
+1.7% YoY
|
$3.0B
+8.2% YoY
|
$3.2B
+9.4% YoY
|
61% |
| Total Deposits ? |
$269.1M
+33.1% YoY
-0.5% QoQ
|
-$57.6M |
$326.7M
+0.7% YoY
|
$3.5B
+7.0% YoY
|
$4.9B
+7.3% YoY
|
49% |
| Return on Assets ? |
0.70%
-16.6% YoY
+46.4% QoQ
|
-0.63% |
1.32%
+10.8% YoY
|
0.62%
-8.3% YoY
|
1.30%
+12.1% YoY
|
19% |
| Net Interest Margin ? |
3.50%
-4.6% YoY
+4.3% QoQ
|
-0.49% |
3.99%
+5.0% YoY
|
3.70%
+0.5% YoY
|
3.95%
+4.9% YoY
|
28% |
| Efficiency Ratio ? |
62.02%
-19.7% YoY
-7.5% QoQ
|
-2.46% |
64.48%
-3.2% YoY
|
199.20%
+161.3% YoY
|
70.05%
+2.5% YoY
|
51% |
| Delinquency Rate ? | 0.00% | -0.92% |
0.92%
+15.7% YoY
|
0.61%
-2.0% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
98.52%
-1.4% YoY
+8.2% QoQ
|
+20.57% |
77.95%
+1.0% YoY
|
72.91%
-1.7% YoY
|
79.03%
+2.3% YoY
|
Bottom 12.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
6.78%
-22.2% YoY
+5.5% QoQ
|
-15.25% |
22.03%
-0.6% YoY
|
27.35%
-2.5% YoY
|
21.98%
-0.6% YoY
|
Bottom 5.6% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.67% |
0.67%
+16.4% YoY
|
0.42%
-2.6% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
15.65%
-19.7% YoY
-5.1% QoQ
|
-0.26% |
15.91%
+1.4% YoY
|
19.50%
+8.2% YoY
|
17.09%
+0.8% YoY
|
70% |
| Non-Interest Income / Assets ? |
0.07%
-1.8% YoY
+136.8% QoQ
|
-0.50% |
0.57%
+7.6% YoY
|
1.02%
+6.4% YoY
|
0.66%
+5.2% YoY
|
Bottom 10.0% 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 |
6.8%
-1.9pp YoY +0.4pp QoQ |
-15.4pp | 22.1% | 27.7% | 22.2% | 5% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
11.8%
+2.4pp YoY +0.7pp QoQ |
+0.3pp | 11.6% | 12.9% | 12.5% | 62% |
| CRE |
63.9%
-4.5pp YoY -0.7pp QoQ |
+24.3pp | 39.5% | 50.6% | 41.4% | 88% |
| 1-4 Family |
24.2%
+2.7pp YoY +0.3pp QoQ |
-8.5pp | 32.6% | 30.7% | 31.3% | 39% |
| Consumer |
0.1%
0.0pp YoY 0.0pp QoQ |
-4.0pp | 4.1% | 3.7% | 5.0% | 5% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
15.7%
-3.8pp YoY -0.8pp QoQ |
-3.2pp | 18.8% | 19.8% | 19.7% | 55% |
| Leverage Ratio |
13.5%
-3.5pp YoY 0.0pp QoQ |
+1.3pp | 12.2% | 13.9% | 12.6% | 79% |
| Total Capital Ratio |
16.8%
-3.7pp YoY -0.8pp QoQ |
-3.1pp | 19.9% | 21.1% | 20.8% | 56% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
29
+2 (+7.4%) YoY -1 (-3.3%) QoQ |
-30 | 58 | 295 | 482 | 25% |
| Assets per Employee ($) |
$10.9M
+20.9% YoY +4.3% QoQ |
+$3.4M | $7.5M | $10.3M | $8.8M | 90% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 13 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 0.7% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 16.62x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.2% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
5.2%
+0.5pp YoY +1.7pp QoQ |
-7.0pp | 12.2% | 9.3% | 11.6% | 14% |
| Cost of Funds (YTD) |
3.2%
-0.1pp YoY 0.0pp QoQ |
+1.4pp | 1.7% | 1.8% | 1.7% | 99% |
| Net Income ($, YTD) |
$1.1M
+17.7% YoY — QoQ |
-$1.5M | $2.6M | $25.2M | $40.4M | 28% |
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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.