Evermore Bank
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Data as of · sourced from FFIEC call reports. How we update
Evermore Bank is an FDIC-insured commercial bank headquartered in Fort Lauderdale, FL, established in 2022 (FDIC certificate 59306), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $316.9M, up 29.9% from Q2 2025, the 57th largest of 81 banks headquartered in Florida. Its CET1 capital ratio was 15.65% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 59306
- Headquarters
- Fort Lauderdale, FL
- Established
- 2022
- Total assets, Q2 2026
- $316.9M
- Assets vs Q2 2025
- +29.9%
- CET1 ratio, Q2 2026
- 15.65%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 067017078
- Latest call report
- Q2 2026, FFIEC 051 · Evermore Bank call report
- Asset rank in state
- 57th of 81 in Florida
Evermore Bank pays more for its money than most banks of its size. It reported $317 million in assets at June 30, 2026, up 29.9% from a year earlier. It pays an average of 3.59% on its deposits and borrowings, about double the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.6%).
Net income for the quarter slipped 19% from a year earlier, to $711,000. Concentration is the risk to watch: it holds commercial real estate loans worth 2.6 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Evermore Bank reported a CET1 capital ratio of 15.65%, a return on assets of 0.91%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Evermore Bank ranks as the 57th largest of the 81 banks based in Florida, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.8% to $316.9M, loans rose 7.6% and deposits fell 0.5%. Non-owner-occupied commercial real estate loans made up 29.5% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 23.9%. The FDIC Summary of Deposits lists 2 offices for it, in Fort Lauderdale, FL and Palm Beach Gardens, FL; its Fort Lauderdale office books 86% of its branch deposits. By the capital ratios in its Q2 2026 call report, Evermore Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 3696 N Federal Hwy, Fort Lauderdale, FL 33308
- County
- Broward
- Metro Area
- Miami-Fort Lauderdale-West Palm Beach, FL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- December 15, 2022
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 29
- Domestic deposits
- $269.1M
- Allowance for credit losses
- $3.0M
- Net charge-offs (YTD)
- $0
- Average total assets
- $311.4M
- Average total loans
- $261.8M
- Average interest-bearing deposits
- $250.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 15, 2022
- FDIC Cert
- 59306
- Fed RSSD
- 5692473
- Website
- www.evermorebankfl.com →
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
From Q3 2023 to Q2 2026, Evermore Bank's total assets ranged from $87.5M (Q3 2023) to $316.9M (Q2 2026), and it earned a profit in 8 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$316.9M total assets against $244.0M; $274.9M total liabilities against $204.6M.
$265.2M net loans and leases against $202.1M; $269.1M total deposits against $202.2M.
$14.8M securities against $8.5M; $32.5M cash and balances due against $29.6M.
$5.2M total interest income against $4.0M; $2.4M total interest expense against $1.9M.
$2.8M net interest income against $2.1M.
$129K total noninterest income against $90K; $1.7M total noninterest expense against $1.6M.
$255K provision for credit losses against $431K.
$711K net income against $877K.
0.91% return on assets against 1.52%; 3.61% net interest margin against 3.76%.
15.65% CET1 capital ratio against 19.49%; 13.52% tier 1 leverage ratio against 17.05%.
Inside the full Evermore Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Evermore Bank rankings
Its closest position to the top of a national ranking is 755 of 2,134, for CET1 ratio; its furthest is 3,461 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.07% (Q1 2025) to 1.52% (Q2 2025) and its net interest margin ran from 3.31% (Q1 2026) to 3.86% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.65% | 0.91% | 0.00% | 0.00% | 3.61% |
| Q1 2026 | 16.49% | 0.47% | 0.00% | 0.00% | 3.31% |
| Q4 2025 | 18.41% | 0.55% | 0.00% | 0.00% | 3.51% |
| Q3 2025 | 18.85% | 0.51% | 0.00% | 0.00% | 3.78% |
| Q2 2025 | 19.49% | 1.52% | 0.00% | 0.00% | 3.76% |
| Q1 2025 | 22.05% | 0.07% | 0.00% | 0.00% | 3.54% |
| Q4 2024 | 26.69% | 0.32% | 0.00% | 0.00% | 3.49% |
| Q3 2024 | 31.61% | 0.43% | 0.00% | 0.00% | 3.86% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| Evermore Bank (main office) | Fort Lauderdale , FL | 33308 | $232.2M |
| Palm Beach Gardens Branch | Palm Beach Gardens , FL | 33408 | $37.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in FL, rank 107 of 186 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Evermore Bank
What are Evermore Bank's total assets?
As of the Q2 2026 filing, Evermore Bank reported total assets of $316.9 million in its FFIEC call report.
Where is Evermore Bank headquartered?
It is headquartered in Fort Lauderdale, FL, United States.
When was Evermore Bank founded?
It was established in 2022, per the FDIC institution directory.
Is Evermore Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #59306). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Evermore Bank?
Evermore Bank's primary federal regulator is the FDIC.
What is Evermore Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.65% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Evermore Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Evermore Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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.
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