EverBank, N.A.: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
EverBank, N.A., based in Jacksonville, Florida, reported $46.7 billion in assets at June 30, 2026, up 5.0% from a year earlier. It holds 13% of its deposits (13%) above the FDIC insurance limit, about a third the median of 38.6% for the 127 banks with $10 billion to $100 billion in assets. On the other hand, it keeps 2.66 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.63 cents).
Earnings jumped: net income for the quarter was $126 million, 83% above the same quarter a year earlier. Over the same year, loans grew 12.3% and deposits grew 8.6%. Where it has less room is capital: it funds 9.05% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.25%).
As of June 30, 2026, EverBank, N.A. reported a CET1 capital ratio of 13.04%, a return on assets of 1.07%, a nonperforming-loan ratio of 1.42% and a Texas ratio of 4.57%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 301 W Bay St, Jacksonville, FL 32202
- County
- Duval
- Metro Area
- Jacksonville, FL
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- October 1, 1998
- Former names
- TIAA, FSB (2017-2023); EverBank (2004-2017)
- Offices
- 43 domestic
- Employees (FTE)
- 1,713
- Domestic deposits
- $37.81B
- Allowance for credit losses
- $310.3M
- Net charge-offs (YTD)
- $4.1M
- Average total assets
- $46.93B
- Average total loans
- $33.67B
- Average interest-bearing deposits
- $35.90B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- October 1, 1998
- FDIC Cert
- 34775
- Fed RSSD
- 2735146
- Website
- www.everbank.com →
- Parent Holding Company
- EVERBANK FINANCIAL CORP (RSSD 3838857)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full EverBank, N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Banks merged into EverBank, N.A.
- Sterling Bank and Trust, FSB, effective April 1, 2025
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.04% | 1.07% | 1.42% | 4.57% | 2.66% |
| Q1 2026 | 12.52% | 0.93% | 1.46% | 4.88% | 2.70% |
| Q4 2025 | 12.37% | 0.63% | 1.31% | 4.43% | 2.79% |
| Q3 2025 | 13.07% | 0.90% | 1.42% | 4.35% | 2.77% |
| Q2 2025 | 11.78% | 0.63% | 1.49% | 4.53% | 2.65% |
| Q1 2025 | 12.86% | 0.73% | 1.72% | 4.07% | 2.49% |
| Q4 2024 | 12.98% | 0.69% | 1.79% | 3.83% | 2.45% |
| Q3 2024 | 13.52% | 0.67% | 1.91% | 4.42% | 2.42% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 42 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Jacksonville Main Office Branch | Jacksonville , FL | 32202 | $27.52B |
| San Jose Branch | Jacksonville , FL | 32257 | $894.0M |
| Ortega Branch | Jacksonville , FL | 32210 | $810.8M |
| Clearwater Branch | Clearwater , FL | 33761 | $747.6M |
| Daniels Branch | Fort Myers , FL | 33912 | $732.7M |
| Colliers Reserve Branch | Naples , FL | 34110 | $627.5M |
| Coral Gables Branch | Coral Gables , FL | 33134 | $584.8M |
| Boca Raton Branch | Boca Raton , FL | 33432 | $554.9M |
| Fort Lauderdale Branch | Fort Lauderdale , FL | 33308 | $471.1M |
| Oceanway Branch | Jacksonville , FL | 32218 | $346.8M |
| Sunset Branch | San Francisco , CA | 94122 | $318.2M |
| Alhambra Branch | Alhambra , CA | 91803 | $302.1M |
| Arcadia Branch | Arcadia , CA | 91007 | $289.2M |
| Encino Branch | Encino , CA | 91436 | $237.6M |
| Montgomery Branch | San Francisco , CA | 94104 | $219.0M |
| Geary Financial Center Branch | San Francisco , CA | 94121 | $218.3M |
| Noriega Branch | San Francisco , CA | 94122 | $212.5M |
| Jacksonville Beach Financial Center Branch | Jacksonville Beach , FL | 32250 | $198.9M |
| San Mateo Branch | San Mateo , CA | 94401 | $169.9M |
| Oakland Branch | Oakland , CA | 94607 | $167.9M |
| Rowland Heights Branch | La Puente , CA | 91748 | $160.2M |
| Flushing Branch | Flushing , NY | 11354 | $158.4M |
| Burlingame Branch | Burlingame , CA | 94010 | $157.4M |
| Daly City Branch | Daly City , CA | 94015 | $155.6M |
| Irvine Branch | Irvine , CA | 92604 | $143.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 1, 2025 | Structure Change | Acquired Sterling Bank and Trust, FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 10, 2017 | Structure Change | Acquired Tiaa-Cref Trust Company FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 9, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 29, 2010 | Structure Change | Acquired Bank of Florida - Southeast Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| May 28, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
| January 2, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 2, 2001 | Structure Change | Acquired Marine National Bank of Jacksonville Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
What the public regulatory sources show for EverBank, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 7 against the institution (Federal Reserve, OCC, OCC (former OTS))
- January 4, 2016, OCC: Civil Money Penalty (CMP): Everbank
- June 16, 2015, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Everbank
- October 16, 2013, Federal Reserve: Amendment to 4/13/2011 Office of Thrift Supervision Order to Cease and Desist: Everbank and EverBank Financial Corp., Jacksonville, Florida
- October 15, 2013, OCC: C&D or PC&D Requiring Restitution: Everbank
- October 15, 2013, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Everbank
- Period: Most recent institution action January 4, 2016. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 3.8% of deposits in FL, rank 6 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 823 applications, 308 loans originated, $1.05B originated, across 36 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 12 loans, $17.3M approved, $1.4M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about EverBank, N.A.
What are EverBank, N.A.'s total assets?
As of the Q2 2026 filing, EverBank, N.A. reported total assets of $46.69 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is EverBank, N.A. headquartered?
EverBank, N.A. is headquartered in Jacksonville, FL, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was EverBank, N.A. founded?
EverBank, N.A. was established in 1998, per the FDIC institution directory.
Is EverBank, N.A. FDIC-insured?
Yes. EverBank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #34775). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates EverBank, N.A.?
EverBank, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is EverBank, N.A.'s CET1 capital ratio?
EverBank, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 13.04% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does EverBank, N.A. operate?
EverBank, N.A. operates 43 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is EverBank, N.A.'s Texas Ratio?
EverBank, N.A.'s Texas Ratio is 4.57% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was EverBank, N.A. previously called?
The charter now named EverBank, N.A. has also operated as TIAA, FSB (2017-2023), EverBank (2004-2017), per FDIC structure-change records.
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