BlastPoint's Banking Scorecard
Evermore Bank
Micro
Specialty: Commercial
FL
FDIC cert 59306
Designations: ✓ Community bank
Fort Lauderdale, FL
2498
banks in Micro tier nationally
35 in FL
View Micro leaderboard (FL) →
Evermore Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 16.49% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$293.8M
+49.8% YoY
+8.3% QoQ
|
+$76.3M |
$217.5M
+2.3% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
71% |
| Total Loans ? |
$218.3M
+58.0% YoY
+2.6% QoQ
|
+$79.1M |
$139.2M
+2.8% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
78% |
| Total Deposits ? |
$250.5M
+61.2% YoY
+9.6% QoQ
|
+$66.8M |
$183.7M
+1.8% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
71% |
| Return on Assets ? |
0.67%
-6.7% QoQ
|
-0.42% |
1.08%
+14.7% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
26% |
| Net Interest Margin ? |
3.68%
-3.2% YoY
-1.4% QoQ
|
-0.18% |
3.85%
+6.6% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
43% |
| Efficiency Ratio ? |
73.79%
-17.9% YoY
-0.6% QoQ
|
+6.07% |
67.73%
-4.8% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
31% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
87.15%
-2.0% YoY
-6.4% QoQ
|
+12.63% |
74.53%
+0.5% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
29% |
| Non-Interest-Bearing Deposit Share ? |
5.91%
-18.6% YoY
+1.9% QoQ
|
-16.49% |
22.39%
-1.3% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
Bottom 6% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
18.41%
-31.0% YoY
-2.4% QoQ
|
+9.55% |
8.85%
-3.4% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
83% |
| Non-Interest Income / Assets ? |
0.12%
-8.4% YoY
+22.8% QoQ
|
-0.44% |
0.56%
+0.3% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
Bottom 10% in tier |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 6%
in Micro
Why this stands out
Current:
5.91%
(Tier avg: 22.39%, National avg: 21.79%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
83
83th pctile
Tier 1 Capital Ratio
Current: 18.41% · Tier avg: 8.85%
78
78th pctile
Total Loans
Current: $218.3M · Tier avg: $139.2M
71
71th pctile
Total Deposits
Current: $250.5M · Tier avg: $183.7M
71
71th pctile
Total Assets
Current: $293.8M · Tier avg: $217.5M
43
43th pctile
Net Interest Margin
Current: 3.68% · Tier avg: 3.85%
31
31th pctile
Efficiency Ratio
Current: 73.79% · Tier avg: 67.73%
29
29th pctile
Loan-to-Deposit Ratio
Current: 87.15% · Tier avg: 74.53%
26
26th pctile
Return on Assets
Current: 0.67% · Tier avg: 1.08%
10
10th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.56%
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 5.91% · Tier avg: 22.39%
Top Weaknesses
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 5.91% · Tier avg: 22.39%
10
10th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.56%
26
26th pctile
Return on Assets
Current: 0.67% · Tier avg: 1.08%
29
29th pctile
Loan-to-Deposit Ratio
Current: 87.15% · Tier avg: 74.53%
31
31th pctile
Efficiency Ratio
Current: 73.79% · Tier avg: 67.73%
43
43th pctile
Net Interest Margin
Current: 3.68% · Tier avg: 3.85%
71
71th pctile
Total Assets
Current: $293.8M · Tier avg: $217.5M
71
71th pctile
Total Deposits
Current: $250.5M · Tier avg: $183.7M
78
78th pctile
Total Loans
Current: $218.3M · Tier avg: $139.2M
83
83th pctile
Tier 1 Capital Ratio
Current: 18.41% · Tier avg: 8.85%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%