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Everbank, National Association

Jacksonville, FL · Cert 34775 · Everbank Financial Corp.

National charter · OCC · 42 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

39

Q2 2024Q2 2026peer median (50)

Asset Quality

52

Q2 2024Q2 2026peer median (50)

Profitability

28

Q2 2024Q2 2026peer median (50)

Liquidity

9

Q2 2024Q2 2026peer median

Efficiency

69

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Everbank, National Association

Jacksonville, FL · Cert 34775 · Everbank Financial Corp.

National charter · OCC · 42 branches

Q2 2026

$46.7BAssets
$37.1BLoans
$37.8BDeposits
$4.3BEquity
Loan mix
88%RE $15.4B8%C&I $1.4B4%Consumer $0.7BQ3 2024Q2 2026
Deposit mix
95%Interest-bearing $35.8B5%Noninterest $2.0BQ3 2024Q2 2026

Market Position · Jacksonville, FL · 2026 SOD (annual) · 24.6% share · #2 of 36 inst. · $29.8B of $120.9B

27.2% Duval
0.4% San Francisco
0.4% Los Angeles
1.0% Pinellas

Executive Summary

  • Earnings: ROA of 1.00%, up 32 bps year over year; NIM at 2.62%.
  • Asset quality: problem loans at 1.42% of loans (-7 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 9.05%, up 40 bps from a year ago.
  • Funding: loans stand at 98.03% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.00%+32 bps YoY

Net Interest Margin (YTD, annualized)

2.62%+16 bps YoY

Efficiency Ratio (YTD, annualized)

51.67%-791 bps YoY

Tier 1 Leverage Ratio

9.05%+40 bps YoY

NIM

5.50%Q2 ’245.24%Q2 ’255.22%Q2 ’26+7%+7%

Non-interest income vs. expense

1.64%Q2 ’241.58%Q2 ’251.47%Q2 ’26-4%-10%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.62%0.64%0.72%0.67%0.75%0.72%0.92%1.00%+32 bps
Return on Equity6.71%6.95%7.96%7.63%8.50%8.10%10.34%11.14%+351 bps
Net Interest Margin2.29%2.28%2.47%2.45%2.52%2.59%2.67%2.62%+16 bps
Efficiency Ratio62.96%62.56%58.47%59.58%59.42%56.37%51.50%51.67%-791 bps
Non-Interest Burden1.40%1.38%1.35%1.38%1.42%1.29%1.26%1.25%-13 bps
Growth
Asset Growth (YoY)15.09%12.86%10.38%12.68%12.44%12.82%12.84%5.05%-763 bps
Loan Growth (YoY)12.22%12.71%11.86%17.31%17.51%21.63%23.82%12.35%-496 bps
Deposit Growth (YoY)19.11%14.53%6.92%18.76%15.14%15.33%22.32%8.60%-1,016 bps
Asset Quality
Nonperforming Loans / Loans1.91%1.79%1.72%1.49%1.42%1.31%1.46%1.42%-7 bps
Net Charge-Offs / Loans0.04%0.05%0.01%0.01%0.02%0.03%0.02%0.02%+1 bps
Allowance / Loans0.84%0.80%0.81%0.84%0.81%0.80%0.82%0.84%0 bps
Allowance Coverage of NPLs0.4x0.4x0.5x0.6x0.6x0.6x0.6x0.6x0.0x
Capital
Tier 1 Leverage Ratio9.04%8.99%9.16%8.65%8.96%9.12%9.05%9.05%+40 bps
Total Risk-Based Capital14.45%13.86%13.75%12.67%13.98%13.30%13.49%13.98%+131 bps
Equity / Assets9.15%9.06%8.95%8.56%8.96%8.91%8.84%9.16%+60 bps
Liquidity & Funding
Loans / Deposits91.49%92.11%98.02%94.76%93.38%97.13%99.23%98.03%+327 bps
Liquid Assets / Assets1.48%1.60%1.91%2.00%2.12%2.23%2.07%1.76%-24 bps
CRE / Total Capitaln/an/an/an/a186.73%186.87%189.13%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Everbank, National Association

Jacksonville, FL · Cert 34775 · Peer group: banks over $10B in assets (n=142-144) · Everbank Financial Corp.

National charter · OCC · 42 branches

Q2 2026

$46.7BAssets
$37.1BLoans
$37.8BDeposits
$4.3BEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 88% of banks over $10B in assets (rank 18 of 142).
  • Widest gap: nonperforming loans / loans trails 85% of banks over $10B in assets (rank 121 of 142).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.00%

Rank 109 of 144

Net Interest Margin

2.62%

Rank 122 of 144

Efficiency Ratio

51.76%

Rank 46 of 144

Equity / Assets

9.16%

Rank 114 of 144

Non-interest income vs. expense

$102.0M$688.1MINCOMEEXPENSE
Unfavorable gap of $586.1M · efficiency ratio beats 69% of banks over $10B in assets
Bank 51.76%Peer median 56.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.00%1.00%1.26%1.54%Beats 24%109 / 144
Return on Equity10.90%8.98%11.34%14.40%Beats 46%78 / 144
Net Interest Margin2.62%2.82%3.31%3.68%Beats 15%122 / 144
Efficiency Ratio51.76%49.42%56.02%62.41%Beats 69%46 / 144
Asset Quality
Nonperforming Loans / Loans1.42%0.48%0.73%1.07%Beats 15%121 / 142
Net Charge-Offs / Loans0.02%0.05%0.11%0.22%Beats 88%18 / 142
Capital
Tier 1 Capital Ratio13.04%12.07%12.98%14.92%Beats 55%65 / 144
Total Risk-Based Capital Ratio13.98%13.39%14.14%16.25%Beats 42%83 / 144
Equity / Assets9.16%9.69%11.39%12.96%Beats 21%114 / 144
Liquidity & Funding
Loans / Deposits98.03%75.72%84.92%91.56%87th pctl18 / 143
Loans / Assets79.38%59.83%69.07%74.80%90th pctl15 / 144
Brokered Deposits / Depositsn/aNot reported for this institution