EverBank, N.A.: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Brokered deposits to total deposits: 3.25 percentage points lower than in Q1 2026, at 1.69%. EverBank, N.A. ranks 11th of 81 Florida banks on loan-to-deposit ratio, in the upper half at 98.03% (Q2 2026). EverBank, N.A. reported 98.03% on loan-to-deposit ratio for Q2 2026, 11.20 points above the 86.83% median for banks in the $10B-100B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $874.5M |
| Cash and noninterest-bearing balances to assets | 1.87% |
| Cash and securities | $8.78B |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $3.86B |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 8.27% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 98.03% |
| Net loans and leases to deposits | 97.21% |
| Loans and leases to core deposits | 104.49% |
| Core deposits to total deposits | 92.12% |
| Brokered deposits to total deposits | 1.69% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 97.11% | 83.09% | $0 | $4.29B |
| Q4 2023 | 93.59% | 85.22% | $0 | $4.08B |
| Q1 2024 | 93.69% | 86.84% | $0 | $4.99B |
| Q2 2024 | 95.93% | 89.05% | $0 | $5.88B |
| Q3 2024 | 91.49% | 87.15% | $0 | $4.54B |
| Q4 2024 | 92.11% | 89.11% | $0 | $4.38B |
| Q1 2025 | 98.02% | 92.72% | $0 | $6.68B |
| Q2 2025 | 94.76% | 91.85% | $0 | $5.16B |
| Q3 2025 | 93.38% | 93.33% | $0 | $4.33B |
| Q4 2025 | 97.13% | 90.78% | $0 | $4.24B |
| Q1 2026 | 99.23% | 89.21% | $0 | $4.68B |
| Q2 2026 | 98.03% | 92.12% | $0 | $3.86B |
EverBank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock EverBank, N.A., freeSource: Call Report Schedules RC and RC-M, 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)