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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.67% | 0.70% | 0.72% | 0.64% | 0.90% | 0.62% | 0.92% | 1.07% | +44 bps | |
| Return on Equity | 7.32% | 7.66% | 7.96% | 7.30% | 10.26% | 6.94% | 10.34% | 11.93% | +463 bps | |
| Net Interest Margin | 2.41% | 2.43% | 2.47% | 2.63% | 2.75% | 2.76% | 2.67% | 2.63% | 0 bps | |
| Efficiency Ratio | 61.99% | 61.48% | 58.47% | 60.54% | 59.14% | 49.58% | 51.50% | 51.83% | -871 bps | |
| Non-Interest Burden | 1.42% | 1.39% | 1.35% | 1.51% | 1.54% | 0.91% | 1.26% | 1.26% | -25 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 / Loans | 1.91% | 1.79% | 1.72% | 1.49% | 1.42% | 1.31% | 1.46% | 1.42% | -7 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.06% | 0.01% | 0.01% | 0.05% | 0.04% | 0.02% | 0.02% | +1 bps | |
| Allowance / Loans | 0.84% | 0.80% | 0.81% | 0.84% | 0.81% | 0.80% | 0.82% | 0.84% | 0 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.4x | 0.5x | 0.6x | 0.6x | 0.6x | 0.6x | 0.6x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.04% | 8.99% | 9.16% | 8.65% | 8.96% | 9.12% | 9.05% | 9.05% | +40 bps | |
| Total Risk-Based Capital | 14.45% | 13.86% | 13.75% | 12.67% | 13.98% | 13.30% | 13.49% | 13.98% | +131 bps | |
| Equity / Assets | 9.15% | 9.06% | 8.95% | 8.56% | 8.96% | 8.91% | 8.84% | 9.16% | +60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.49% | 92.11% | 98.02% | 94.76% | 93.38% | 97.13% | 99.23% | 98.03% | +327 bps | |
| Liquid Assets / Assets | 1.48% | 1.60% | 1.91% | 2.00% | 2.12% | 2.23% | 2.07% | 1.76% | -24 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 186.73% | 186.87% | 189.13% | n/a | n/a | |