Evermore Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio climbed 7.52 percentage points in Q2 2026, from 92.13% to 99.65%. It was the largest change from Q1 2026 among the key lines here. Evermore Bank ranks 52nd of 79 Florida banks on return on assets, in the lower half at 0.91% (Q2 2026). Evermore Bank reported 0.91% on return on assets for Q2 2026, 0.34 points below the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.65% |
| Tier 1 risk-based capital ratio | 15.65% |
| Total risk-based capital ratio | 16.83% |
| Tier 1 leverage ratio | 13.52% |
| Equity capital to assets | 13.25% |
| Tangible equity to tangible assets | 13.25% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.14% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.91% |
| Return on equity | 6.84% |
| Net interest margin | 3.61% |
| Efficiency ratio | 57.52% |
| Yield on earning assets | 6.73% |
| Cost of funds | 3.59% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.65% |
| Core deposits to total deposits | 79.68% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.92% |
| Securities to assets | 4.66% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 37.84% | 37.84% | 38.84% | 31.03% | -1.95% |
| Q4 2023 | 31.12% | 31.12% | 32.07% | 27.70% | -1.16% |
| Q1 2024 | 27.53% | 27.53% | 28.49% | 23.03% | -0.92% |
| Q2 2024 | 23.60% | 23.60% | 24.58% | 17.40% | -0.21% |
| Q3 2024 | 31.61% | 31.61% | 32.62% | 21.50% | 0.43% |
| Q4 2024 | 26.69% | 26.69% | 27.66% | 20.39% | 0.32% |
| Q1 2025 | 22.05% | 22.05% | 23.02% | 18.96% | 0.07% |
| Q2 2025 | 19.49% | 19.49% | 20.53% | 17.05% | 1.52% |
| Q3 2025 | 18.85% | 18.85% | 19.99% | 15.40% | 0.51% |
| Q4 2025 | 18.41% | 18.41% | 19.58% | 14.31% | 0.55% |
| Q1 2026 | 16.49% | 16.49% | 17.65% | 13.50% | 0.47% |
| Q2 2026 | 15.65% | 15.65% | 16.83% | 13.52% | 0.91% |
Evermore Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Evermore Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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 Evermore Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59306) · FFIEC NIC profile (RSSD 5692473)