BlastPoint's Banking Scorecard

Evermore Bank

$100M-$1B Specialty: Commercial FL FDIC cert 59306

Fort Lauderdale, FL

2 branches across FL

2664 banks in the $100M-$1B peer group nationally 43 in FL

Evermore Bank has 2 strengths but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 22.2% in tier
- Liquidity Overhang: Bottom 37.1% in tier
- Non-Interest Income / Assets 0.25% below tier average
- ROA 0.79% below tier average
- Net Interest Margin 0.58% below tier average
- Efficiency Ratio 1.79% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Total Assets ?	$314.4M +46.1% YoY +7.0% QoQ	-$71.6M	$386.1M +0.5% YoY	$4.3B +10.8% YoY	$6.2B +9.1% YoY	48%
Total Loans ?	$246.5M +42.0% YoY +12.9% QoQ	-$9.2M	$255.7M +1.1% YoY	$3.0B +12.4% YoY	$3.2B +10.8% YoY	59%
Total Deposits ?	$270.6M +55.2% YoY +8.0% QoQ	-$57.4M	$328.0M +0.1% YoY	$3.6B +11.7% YoY	$4.8B +8.2% YoY	49%
Return on Assets ?	0.47% +618.0% YoY -28.7% QoQ	-0.79%	1.27% +12.9% YoY	0.83% +61.5% YoY	1.23% +13.4% YoY	Bottom 12.6% in tier
Net Interest Margin ?	3.35% -4.6% YoY -8.8% QoQ	-0.58%	3.93% +6.0% YoY	3.75% +4.2% YoY	3.89% +5.7% YoY	24%
Efficiency Ratio ?	67.08% -18.7% YoY -9.1% QoQ	+1.79%	65.29% -4.5% YoY	71.93% -25.2% YoY	66.95% -4.1% YoY	39%
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	0.63% -5.7% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	91.10% -8.5% YoY +4.5% QoQ	+14.46%	76.64% +0.8% YoY	73.79% +1.2% YoY	76.70% +0.9% YoY	22%
Non-Interest-Bearing Deposit Share ?	6.43% -30.0% YoY +8.8% QoQ	-15.59%	22.02% -1.0% YoY	27.22% -2.5% YoY	22.01% -1.2% YoY	Bottom 5.1% in tier
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.43% -5.1% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	16.49% -25.2% YoY -10.4% QoQ	+0.66%	15.83% +1.5% YoY	16.64% -24.7% YoY	17.06% +0.8% YoY	75%
Non-Interest Income / Assets ?	0.03% -24.2% YoY -74.9% QoQ	-0.25%	0.28% +9.3% YoY	0.50% +7.6% YoY	0.32% +4.1% YoY	Bottom 7.9% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

NIB Deposit Bleed

decline

#45 of 198 • Bottom 22.2% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 6.43%

(Tier: 22.02%, National: 22.01%)

worse than tier avg

198 of 198 Community banks match · 238 nationally

↓ Shrinking -31 banks QoQ

Liquidity Overhang

risk

#275 of 739 • Bottom 37.1% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 16.49%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 91.10%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (2 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

Top Weaknesses (5 metrics)

2530

Non-Interest-Bearing Deposit Share

funding

Value: 6.43%

Peer Median: 22.02%

#2530 of 2664 Bottom 5.1% in $100M-$1B

2454

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.28%

#2454 of 2664 Bottom 7.9% in $100M-$1B

2329

Return on Assets

profitability

Value: 0.47%

Peer Median: 1.27%

#2329 of 2664 Bottom 12.6% in $100M-$1B

2068

Loan-to-Deposit Ratio

liquidity

Value: 91.10%

Peer Median: 76.64%

#2068 of 2664 Bottom 22.4% in $100M-$1B

2021

Net Interest Margin

profitability

Value: 3.35%

Peer Median: 3.93%

#2021 of 2664 Bottom 24.2% in $100M-$1B