BlastPoint's Banking Scorecard
EverBank, National Association
Large
Specialty: Other
FL
FDIC cert 34775
Jacksonville, FL
69
banks in Large tier nationally
5 in FL
View Large leaderboard (FL) →
EverBank, National Association has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 14.64% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 0.47% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$46.0B
+12.8% YoY
+2.7% QoQ
|
-$28.8B |
$74.9B
-4.4% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
48% |
| Total Loans ? |
$35.6B
+21.6% YoY
+7.6% QoQ
|
-$10.8B |
$46.4B
-2.1% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
55% |
| Total Deposits ? |
$37.0B
+15.3% YoY
+3.4% QoQ
|
-$23.5B |
$60.5B
-4.5% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
48% |
| Return on Assets ? |
0.72%
+12.3% YoY
-4.6% QoQ
|
-0.47% |
1.19%
+17.8% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 9% in tier |
| Net Interest Margin ? |
2.71%
+10.9% YoY
+0.9% QoQ
|
-0.75% |
3.46%
+13.1% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 13% in tier |
| Efficiency Ratio ? |
56.37%
-9.9% YoY
-5.1% QoQ
|
+1.34% |
55.03%
-2.8% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
45% |
| Delinquency Rate ? |
1.32%
-26.7% YoY
-7.6% QoQ
|
+0.44% |
0.88%
-0.3% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
96.36%
+5.5% YoY
+4.0% QoQ
|
+14.64% |
81.72%
+3.9% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
Top 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
4.07%
+30.5% YoY
-40.8% QoQ
|
-15.90% |
19.97%
+0.5% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
19% |
| Nonperforming Asset Ratio ? |
1.05%
-20.8% YoY
-2.8% QoQ
|
+0.49% |
0.55%
+9.0% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 12% in tier |
| Tier 1 Capital Ratio ? |
12.37%
-4.6% YoY
-5.3% QoQ
|
-0.95% |
13.33%
-0.7% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
37% |
| Non-Interest Income / Assets ? |
0.37%
+77.4% YoY
+142.9% QoQ
|
-0.72% |
1.09%
+2.4% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
19% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 9%
in Large
Why this stands out
Current:
96.36%
(Tier avg: 81.72%, National avg: 78.04%)
Concerns (1)
Return on Assets
metric
Bottom 9%
in Large
Why this stands out
Current:
0.72%
(Tier avg: 1.19%, National avg: 1.12%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
91
91th pctile
Loan-to-Deposit Ratio
Current: 96.36% · Tier avg: 81.72%
55
55th pctile
Total Loans
Current: $35.6B · Tier avg: $46.4B
48
48th pctile
Total Assets
Current: $46.0B · Tier avg: $74.9B
48
48th pctile
Total Deposits
Current: $37.0B · Tier avg: $60.5B
45
45th pctile
Efficiency Ratio
Current: 56.37% · Tier avg: 55.03%
37
37th pctile
Tier 1 Capital Ratio
Current: 12.37% · Tier avg: 13.33%
22
22th pctile
Delinquency Rate
Current: 1.32% · Tier avg: 0.88%
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 4.07% · Tier avg: 19.97%
19
19th pctile
Non-Interest Income / Assets
Current: 0.37% · Tier avg: 1.09%
13
13th pctile
Net Interest Margin
Current: 2.71% · Tier avg: 3.46%
12
12th pctile
Nonperforming Asset Ratio
Current: 1.05% · Tier avg: 0.55%
9
9th pctile
Return on Assets
Current: 0.72% · Tier avg: 1.19%
Top Weaknesses
9
9th pctile
Return on Assets
Current: 0.72% · Tier avg: 1.19%
12
12th pctile
Nonperforming Asset Ratio
Current: 1.05% · Tier avg: 0.55%
13
13th pctile
Net Interest Margin
Current: 2.71% · Tier avg: 3.46%
19
19th pctile
Non-Interest Income / Assets
Current: 0.37% · Tier avg: 1.09%
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 4.07% · Tier avg: 19.97%
22
22th pctile
Delinquency Rate
Current: 1.32% · Tier avg: 0.88%
37
37th pctile
Tier 1 Capital Ratio
Current: 12.37% · Tier avg: 13.33%
45
45th pctile
Efficiency Ratio
Current: 56.37% · Tier avg: 55.03%
48
48th pctile
Total Deposits
Current: $37.0B · Tier avg: $60.5B
48
48th pctile
Total Assets
Current: $46.0B · Tier avg: $74.9B
55
55th pctile
Total Loans
Current: $35.6B · Tier avg: $46.4B
91
91th pctile
Loan-to-Deposit Ratio
Current: 96.36% · Tier avg: 81.72%