EverBank, N.A.: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The largest change between Q1 2026 and Q2 2026 was in Total interest expense, which rose 3.0% to $310.3M. EverBank, N.A. has the 5th lowest net interest margin of the 79 banks headquartered in Florida, at 2.66% as of Q2 2026. The median for banks in the $10B-100B asset tier is 3.60% on net interest margin. EverBank, N.A. sits 0.94 points lower, at 2.66% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.33% |
| Yield on loans | 5.56% |
| Yield on securities | 4.51% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.99% |
| Cost of interest-bearing deposits | 3.15% |
| Cost of interest-bearing liabilities | 3.10% |
| Cost of borrowings | 3.03% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.66% |
| Yield to cost spread | 2.23% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $468.5M |
| Total interest expense | $310.3M |
| Interest expense on deposits | $281.9M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.18% | 3.45% | 2.12% | 5.18% | 4.70% |
| Q4 2023 | 5.43% | 3.60% | 2.27% | 5.43% | 5.34% |
| Q1 2024 | 5.60% | 3.66% | 2.35% | 5.59% | 5.67% |
| Q2 2024 | 5.74% | 3.80% | 2.37% | 5.73% | 5.81% |
| Q3 2024 | 5.86% | 3.85% | 2.42% | 5.85% | 5.93% |
| Q4 2024 | 5.70% | 3.64% | 2.45% | 5.80% | 5.45% |
| Q1 2025 | 5.41% | 3.29% | 2.49% | 5.52% | 5.22% |
| Q2 2025 | 5.57% | 3.25% | 2.65% | 5.76% | 5.11% |
| Q3 2025 | 5.64% | 3.19% | 2.77% | 5.82% | 5.17% |
| Q4 2025 | 5.55% | 3.09% | 2.79% | 5.74% | 5.04% |
| Q1 2026 | 5.35% | 2.96% | 2.70% | 5.53% | 4.76% |
| Q2 2026 | 5.33% | 2.99% | 2.66% | 5.56% | 4.51% |
EverBank, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock EverBank, N.A., freeSource: Call Report Schedules RI and RC-K, 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)