EverBank, N.A.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Accumulated other comprehensive income climbed 89.4% in Q2 2026, from $12.8M to $24.1M. It was the largest change from Q1 2026 among the key lines here. Within Florida, EverBank, N.A. is 39th of 56 on CET1 ratio, 13.04% as of Q2 2026, below the middle of the field. The median for banks in the $10B-100B asset tier is 12.96% on CET1 ratio; EverBank, N.A. reported 13.04% for Q2 2026, nearly level with it.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.04% |
| Tier 1 risk-based capital ratio | 13.04% |
| Total risk-based capital ratio | 13.98% |
| Tier 1 leverage ratio | 9.05% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $4.24B |
| Tier 1 capital | $4.24B |
| Total risk-based capital | $4.55B |
| Total equity capital | $4.28B |
| Risk-weighted assets | $32.55B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.16% |
| Tangible equity to tangible assets | 9.16% |
| Equity capital to average assets | 9.12% |
| Internal capital growth rate | 8.72% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $5K |
| Common stock surplus | $3.66B |
| Retained earnings | $594.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $24.1M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 15.28% | 15.28% | 16.35% | 9.40% | $21.77B |
| Q4 2023 | 14.55% | 14.55% | 15.56% | 9.44% | $23.23B |
| Q1 2024 | 14.07% | 14.07% | 15.05% | 9.37% | $24.44B |
| Q2 2024 | 13.52% | 13.52% | 14.44% | 9.13% | $25.89B |
| Q3 2024 | 13.52% | 13.52% | 14.45% | 9.04% | $26.38B |
| Q4 2024 | 12.98% | 12.98% | 13.86% | 8.99% | $27.97B |
| Q1 2025 | 12.86% | 12.86% | 13.75% | 9.16% | $28.77B |
| Q2 2025 | 11.78% | 11.78% | 12.67% | 8.65% | $32.10B |
| Q3 2025 | 13.07% | 13.07% | 13.98% | 8.96% | $30.50B |
| Q4 2025 | 12.37% | 12.37% | 13.30% | 9.12% | $32.76B |
| Q1 2026 | 12.52% | 12.52% | 13.49% | 9.05% | $33.15B |
| Q2 2026 | 13.04% | 13.04% | 13.98% | 9.05% | $32.55B |
EverBank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock EverBank, N.A., freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full EverBank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34775) · FFIEC NIC profile (RSSD 2735146)