EverBank, N.A.: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
EverBank, N.A. is a regional commercial bank serving Florida and adjacent markets, with headquarters in Jacksonville. The Q2 2026 balance sheet stands at $46.7B in assets, including $37.1B in loans. Returns are in line with industry norms at 1.07% ROA and 11.93% ROE; net interest margin is 2.66%. Regulatory capital is solid, 13.04% CET1 and 13.98% total risk-based capital ratio. Asset quality is solid, 0.68% nonperforming loans and a 12.58% Texas Ratio. EverBank operates a 43-branch network.
As of June 30, 2026, EverBank, N.A. reported a CET1 capital ratio of 13.04%, a return on assets of 1.07%, a nonperforming-loan ratio of 0.68%, a Texas ratio of 12.58%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 301 W Bay St, Jacksonville, FL 32202
- County
- Duval
- Metro Area
- Jacksonville, FL
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- October 1, 1998
- Former names
- TIAA, FSB (2017-2023); EverBank (2004-2017)
- Offices
- 43 domestic
- Employees (FTE)
- 1,713
- Domestic deposits
- $37.81B
- Allowance for credit losses
- $310.3M
- Net charge-offs (YTD)
- $4.1M
- Average total assets
- $46.93B
- Average total loans
- $33.67B
- Average interest-bearing deposits
- $35.90B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- October 1, 1998
- FDIC Cert
- 34775
- Fed RSSD
- 2735146
- Website
- www.everbank.com →
- Parent Holding Company
- EVERBANK FINANCIAL CORP (RSSD 3838857)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full EverBank, N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock EverBank, N.A., freeEverBank, N.A. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.04% | 1.07% | 0.68% | 12.58% | 2.66% |
| Q1 2026 | 12.52% | 0.93% | 0.69% | 13.38% | 2.70% |
| Q4 2025 | 12.37% | 0.63% | 0.79% | 13.01% | 2.79% |
| Q3 2025 | 13.07% | 0.90% | 0.83% | 13.42% | 2.77% |
| Q2 2025 | 11.78% | 0.63% | 0.87% | 14.85% | 2.65% |
| Q1 2025 | 12.86% | 0.73% | 0.76% | 15.06% | 2.49% |
| Q4 2024 | 12.98% | 0.69% | 0.77% | 15.66% | 2.45% |
| Q3 2024 | 13.52% | 0.67% | 0.94% | 16.68% | 2.42% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 42 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Jacksonville Main Office Branch | Jacksonville , FL | 32202 | $27.52B |
| San Jose Branch | Jacksonville , FL | 32257 | $894.0M |
| Ortega Branch | Jacksonville , FL | 32210 | $810.8M |
| Clearwater Branch | Clearwater , FL | 33761 | $747.6M |
| Daniels Branch | Fort Myers , FL | 33912 | $732.7M |
| Colliers Reserve Branch | Naples , FL | 34110 | $627.5M |
| Coral Gables Branch | Coral Gables , FL | 33134 | $584.8M |
| Boca Raton Branch | Boca Raton , FL | 33432 | $554.9M |
| Fort Lauderdale Branch | Fort Lauderdale , FL | 33308 | $471.1M |
| Oceanway Branch | Jacksonville , FL | 32218 | $346.8M |
| Sunset Branch | San Francisco , CA | 94122 | $318.2M |
| Alhambra Branch | Alhambra , CA | 91803 | $302.1M |
| Arcadia Branch | Arcadia , CA | 91007 | $289.2M |
| Encino Branch | Encino , CA | 91436 | $237.6M |
| Montgomery Branch | San Francisco , CA | 94104 | $219.0M |
| Geary Financial Center Branch | San Francisco , CA | 94121 | $218.3M |
| Noriega Branch | San Francisco , CA | 94122 | $212.5M |
| Jacksonville Beach Financial Center Branch | Jacksonville Beach , FL | 32250 | $198.9M |
| San Mateo Branch | San Mateo , CA | 94401 | $169.9M |
| Oakland Branch | Oakland , CA | 94607 | $167.9M |
| Rowland Heights Branch | La Puente , CA | 91748 | $160.2M |
| Flushing Branch | Flushing , NY | 11354 | $158.4M |
| Burlingame Branch | Burlingame , CA | 94010 | $157.4M |
| Daly City Branch | Daly City , CA | 94015 | $155.6M |
| Irvine Branch | Irvine , CA | 92604 | $143.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 1, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2025 | Structure Change | Acquired Sterling Bank and Trust, FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 10, 2017 | Structure Change | Acquired Tiaa-Cref Trust Company FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 9, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 29, 2010 | Structure Change | Acquired Bank of Florida - Southwest Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| May 28, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
| January 2, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 2, 2001 | Structure Change | Acquired Marine National Bank of Jacksonville Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
What the public regulatory sources show for EverBank, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 7 against the institution (Federal Reserve, OCC, OCC (former OTS))
- January 4, 2016, OCC: Civil Money Penalty (CMP): Everbank
- June 16, 2015, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Everbank
- October 16, 2013, Federal Reserve: Amendment to 4/13/2011 Office of Thrift Supervision Order to Cease and Desist: Everbank and EverBank Financial Corp., Jacksonville, Florida
- October 15, 2013, OCC: C&D or PC&D Requiring Restitution: Everbank
- October 15, 2013, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Everbank
- Period: Most recent institution action January 4, 2016. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 3.8% of deposits in FL, rank 6 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 823 applications, 308 loans originated, $1.05B originated, across 36 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows EverBank, N.A.’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare EverBank, N.A. with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about EverBank, N.A.
What are EverBank, N.A.'s total assets?
As of the Q2 2026 filing, EverBank, N.A. reported total assets of $46.69 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is EverBank, N.A. headquartered?
EverBank, N.A. is headquartered in Jacksonville, FL, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was EverBank, N.A. founded?
EverBank, N.A. was established in 1998, per the FDIC institution directory.
Is EverBank, N.A. FDIC-insured?
Yes. EverBank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #34775). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates EverBank, N.A.?
EverBank, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is EverBank, N.A.'s CET1 capital ratio?
EverBank, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 13.04% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does EverBank, N.A. operate?
EverBank, N.A. operates 43 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is EverBank, N.A.'s Texas Ratio?
EverBank, N.A.'s Texas Ratio is 12.58% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was EverBank, N.A. previously called?
The charter now named EverBank, N.A. has also operated as TIAA, FSB (2017-2023), EverBank (2004-2017), per FDIC structure-change records.
Go deeper on EverBank, N.A.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock EverBank, N.A., freeFree account