Jacksonville, FL · Cert 34775 · Everbank Financial Corp.
National charter · OCC · 42 branches
Q2 2026
Market Position · Jacksonville, FL · 2026 SOD (annual) · 24.6% share · #2 of 36 inst. · $29.8B of $120.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.67% | 0.75% | 0.72% | 0.92% | 1.00% | +32 bps | |
| Return on Equity | 7.63% | 8.50% | 8.10% | 10.34% | 11.14% | +351 bps | |
| Net Interest Margin | 2.45% | 2.52% | 2.59% | 2.67% | 2.62% | +16 bps | |
| Efficiency Ratio | 59.58% | 59.42% | 56.37% | 51.50% | 51.67% | -791 bps | |
| Non-Interest Burden | 1.38% | 1.42% | 1.29% | 1.26% | 1.25% | -13 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.68% | 12.44% | 12.82% | 12.84% | 5.05% | -763 bps | |
| Loan Growth (YoY) | 17.31% | 17.51% | 21.63% | 23.82% | 12.35% | -496 bps | |
| Deposit Growth (YoY) | 18.76% | 15.14% | 15.33% | 22.32% | 8.60% | -1,016 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.49% | 1.42% | 1.31% | 1.46% | 1.42% | -7 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.02% | 0.03% | 0.02% | 0.02% | +1 bps | |
| Allowance / Loans | 0.84% | 0.81% | 0.80% | 0.82% | 0.84% | 0 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.6x | 0.6x | 0.6x | 0.6x | 0.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.65% | 8.96% | 9.12% | 9.05% | 9.05% | +40 bps | |
| Total Risk-Based Capital | 12.67% | 13.98% | 13.30% | 13.49% | 13.98% | +131 bps | |
| Equity / Assets | 8.56% | 8.96% | 8.91% | 8.84% | 9.16% | +60 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 94.76% | 93.38% | 97.13% | 99.23% | 98.03% | +327 bps | |
| Liquid Assets / Assets | 2.00% | 2.12% | 2.23% | 2.07% | 1.76% | -24 bps | |
| CRE / Total Capital | n/a | 186.73% | 186.87% | 189.13% | n/a | n/a | |