EverBank, N.A.
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Data as of · sourced from FFIEC call reports. How we update
EverBank, N.A. is an FDIC-insured commercial bank headquartered in Jacksonville, FL, established in 1998 (FDIC certificate 34775), and it is supervised by the OCC. At Q2 2026 it reported total assets of $46.69B, up 5.0% from Q2 2025, the 2nd largest of 81 banks headquartered in Florida. Its CET1 capital ratio was 13.04% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 34775
- Headquarters
- Jacksonville, FL
- Established
- 1998
- Total assets, Q2 2026
- $46.69B
- Assets vs Q2 2025
- +5.0%
- CET1 ratio, Q2 2026
- 13.04%
- Domestic offices
- 43 FDIC institution directory, current count
- Routing number
- 063000225
- Latest call report
- Q2 2026, FFIEC 041 · EverBank, N.A. call report
- Holding company
- EVERBANK FINANCIAL CORP
- Asset rank in state
- 2nd of 81 in Florida
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%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, EverBank, N.A. is the 2nd largest of the 81 banks headquartered in Florida. Between Q1 2026 and Q2 2026, its total assets fell 1.1% to $46.69B, loans fell 0.9% and deposits rose 0.3%. Its loan book on June 30, 2026 was led by loans to nondepository financial institutions, at 42.6% of total loans, followed by 1-4 family residential loans at 19.4%. Its 42 offices in the FDIC Summary of Deposits are in 30 cities across 4 states; its Jacksonville 5 offices book 78% of its branch deposits. Judged on its Q2 2026 call report, EverBank, N.A. meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 43 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, EverBank, N.A.'s total assets ran between $34.63B (Q3 2023) and $47.23B (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$46.69B total assets against $44.45B; $42.41B total liabilities against $40.64B.
$36.75B net loans and leases against $32.71B; $37.81B total deposits against $34.82B.
$7.90B securities against $9.69B; $874.5M cash and balances due against $930.0M.
$618.3M total interest income against $604.0M; $310.3M total interest expense against $317.0M.
$307.9M net interest income against $287.0M.
$24.7M total noninterest income against $22.6M; $172.7M total noninterest expense against $187.8M.
-$11.4M provision for credit losses against $26.2M.
$126.1M net income against $68.9M.
1.07% return on assets against 0.63%; 2.66% net interest margin against 2.65%.
13.04% CET1 capital ratio against 11.78%; 9.05% tier 1 leverage ratio against 8.65%.
Inside the full EverBank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeEverBank, N.A. rankings
Its closest position to the top of a national ranking is 51 of 4,196, for total assets; its furthest is 909 of 980, for uninsured deposits.
Banks merged into EverBank, N.A.
- Sterling Bank and Trust, FSB, effective April 1, 2025
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.63% (Q2 2025) to 1.07% (Q2 2026) and its net interest margin ran from 2.42% (Q3 2024) to 2.79% (Q4 2025).
| 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
View all 42 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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 186 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).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is EverBank, N.A. headquartered?
It is headquartered in Jacksonville, FL, United States.
When was EverBank, N.A. founded?
It was established in 1998, per the FDIC institution directory.
Is EverBank, N.A. FDIC-insured?
Yes. It 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.
What is EverBank, N.A.'s CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 4.57% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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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