EverBank, N.A.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 5.98% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 5.98% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 13.04% +6.54 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $4.24B | 4,243,899 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $32.55B | 32,546,145 | RCOAA223 |
| Recomputed ratio | 13.04% | numerator / denominator | |
| Filed ratio | 13.04% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +6.54 pp | $2.13B | capital that could be lost first |
Tier 1 risk-based capital ratio 13.04% +5.04 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $4.24B | 4,243,899 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $32.55B | 32,546,145 | RCOAA223 |
| Recomputed ratio | 13.04% | numerator / denominator | |
| Filed ratio | 13.04% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +5.04 pp | $1.64B | capital that could be lost first |
Total risk-based capital ratio 13.98% +3.98 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $4.55B | 4,550,311 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $32.55B | 32,546,145 | RCOAA223 |
| Recomputed ratio | 13.98% | numerator / denominator | |
| Filed ratio | 13.98% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +3.98 pp | $1.30B | capital that could be lost first |
Tier 1 leverage ratio 9.05% +4.05 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $4.24B | 4,243,899 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $46.90B | 46,899,278 | RCOAA224 |
| Recomputed ratio | 9.05% | numerator / denominator | |
| Filed ratio | 9.05% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.05 pp | $1.90B | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 3,659,961 | 3,659,961 | 3,659,961 | 3,659,961 | 3,559,961 | 3,546,098 | RCOAP742 |
| Retained earnings | 594,702 | 503,611 | 406,589 | 336,127 | 235,797 | 166,867 | RCOAKW00 |
| Accumulated other comprehensive income | 24,145 | 12,751 | 34,408 | 19,888 | 9,059 | 32,084 | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 4,278,808 | 4,176,323 | 4,100,958 | 4,015,976 | 3,804,817 | 3,745,049 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (34,909) | (23,955) | (46,447) | (31,431) | (22,347) | (45,526) | P859 - P840 |
| Common equity Tier 1 capital | 4,243,899 | 4,152,368 | 4,054,511 | 3,984,545 | 3,782,470 | 3,699,523 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 4,243,899 | 4,152,368 | 4,054,511 | 3,984,545 | 3,782,470 | 3,699,523 | RCOA8274 |
| Tier 2 capital | 306,412 | 320,011 | 304,075 | 279,915 | 284,027 | 257,873 | RCOA5311 |
| Allowance includable in Tier 2 capital | 306,412 | 320,011 | 304,075 | 279,915 | 284,027 | 257,873 | RCOA5310 |
| Total capital | 4,550,311 | 4,472,379 | 4,358,586 | 4,264,460 | 4,066,497 | 3,957,396 | RCOA3792 |
| Total risk-weighted assets | 32,546,145 | 33,153,473 | 32,764,276 | 30,496,476 | 32,100,574 | 28,773,549 | RCOAA223 |
| Average total assets for the leverage ratio | 46,899,278 | 45,897,715 | 44,434,071 | 44,488,456 | 43,723,839 | 40,406,578 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $874.5M | $15.4M | 1.77% | 0.05% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $7.29B | $847.3M | 11.62% | 2.60% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $9.95B | $4.79B | 48.20% | 14.73% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $130.3M | $195.5M | 150.00% | 0.60% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $22.41B | $22.09B | 98.59% | 67.88% | RC-R Part II, item 4.d, 5.d |
| All other assets | $1.12B | $728.3M | 65.20% | 2.24% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $2.30B | $2.30B | 99.99% | 7.05% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $134.7M | $1.9M | 1.44% | 0.01% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $1.58B | NA | 4.84% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $30.97B | ties to item 31 ($30.97B) |
|---|---|---|
| Risk-weighted assets before deductions | $32.55B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $32.55B | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 13.04% | 13.04% | 13.98% | 9.05% | 12.98% | 12.99% | 14.14% | 10.25% |
| 1Q26 | Risk-based | 12.52% | 12.52% | 13.49% | 9.05% | 13.06% | 13.07% | 14.31% | 10.26% |
| 4Q25 | Risk-based | 12.37% | 12.37% | 13.30% | 9.12% | 13.15% | 13.20% | 14.60% | 10.03% |
| 3Q25 | Risk-based | 13.07% | 13.07% | 13.98% | 8.96% | 13.29% | 13.29% | 14.49% | 10.31% |
| 2Q25 | Risk-based | 11.78% | 11.78% | 12.67% | 8.65% | 13.11% | 13.11% | 14.41% | 10.16% |
| 1Q25 | Risk-based | 12.86% | 12.86% | 13.75% | 9.16% | 13.16% | 13.16% | 14.34% | 10.10% |
| 4Q24 | Risk-based | 12.98% | 12.98% | 13.86% | 8.99% | 13.15% | 13.15% | 14.49% | 10.29% |
| 3Q24 | Risk-based | 13.52% | 13.52% | 14.45% | 9.04% | 13.25% | 13.25% | 14.44% | 10.08% |
| 2Q24 | Risk-based | 13.52% | 13.52% | 14.44% | 9.13% | 13.08% | 13.08% | 14.24% | 10.10% |
| 1Q24 | Risk-based | 14.07% | 14.07% | 15.05% | 9.37% | 12.76% | 12.76% | 13.98% | 9.86% |
| 4Q23 | Risk-based | 14.55% | 14.55% | 15.56% | 9.44% | 12.58% | 12.58% | 13.79% | 9.79% |
| 3Q23 | Risk-based | 15.28% | 15.28% | 16.35% | 9.40% | 12.66% | 12.67% | 13.78% | 9.78% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| EverBank, N.A. (this bank) | Risk-based | 13.04% | 13.04% | 13.98% | 9.05% | |
| Raymond James Bank | $45.60B | Risk-based | 15.13% | 15.13% | 16.39% | 8.00% |
| Prosperity Bank | $43.88B | Risk-based | 15.24% | 15.24% | 16.46% | 10.64% |
| Barclays Bank Delaware | $43.45B | Risk-based | 13.69% | 15.70% | 17.04% | 10.76% |
| MidFirst Bank | $42.83B | Risk-based | 18.23% | 18.23% | 19.48% | 9.01% |
| First National Bank of Pennsylvania | $50.80B | Risk-based | 11.40% | 11.60% | 13.62% | 9.43% |
| Bank OZK | $41.70B | Risk-based | 11.80% | 12.56% | 14.83% | 13.96% |
| Associated Bank, N.A. | $51.76B | Risk-based | 10.23% | 10.23% | 11.98% | 8.40% |
| Deutsche Bank Trust Company Americas | $40.53B | Risk-based | 57.52% | 57.52% | 57.71% | 25.79% |
| BOKF, N.A. | $52.98B | Risk-based | 12.29% | 12.29% | 14.17% | 9.29% |
| Peer 25th percentile | 11.80% | 12.29% | 14.17% | 9.01% | ||
| Peer median | 13.69% | 15.13% | 16.39% | 9.43% | ||
| Peer 75th percentile | 15.24% | 15.70% | 17.04% | 10.76% | ||
| This bank's percentile | 44 | 44 | 22 | 33 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/2735146/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.