Everbank National Assn
Jacksonville, Florida · FDIC Cert #34775
Everbank National Assn is an FDIC-insured bank (Certificate #34775) with $39.4B in total assets and $29.3B in total deposits as of the Q2 2024 Call Report. Headquartered in Jacksonville, Florida, the bank maintains a Tier 1 capital ratio of 13.52% (Well-Capitalized) and a nonperforming loan ratio of 1.88%. BankHealthData assigns a composite Health Grade of B (77/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Everbank National Assn (FDIC cert 34775) is a large bank with $39.4B in total assets and $29.3B in deposits, headquartered in Jacksonville, Florida. Banks at this scale typically operate across multiple states and face enhanced regulatory scrutiny under the federal banking-supervisory framework.
Capital position is strong: Tier 1 capital ratio of 13.52% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 1.88% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is comfortable: 26.6% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is solid: ROA of 0.82% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is improving: the bank's composite score is up materially over the most recent quarters in the dataset. Improving trends usually reflect either capital strengthening, asset-quality recovery, or sustained profitability gains. Everbank National Assn carries a composite BankHealth grade of B (77/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Everbank National Assn
- Total Assets
- $39.4B
- Total Deposits
- $29.3B
- Tier 1 Capital Ratio
- 13.52%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.88%
- Liquidity Ratio
- 26.62%
- Return on Assets
- 0.82%
- Headquarters
- Jacksonville, Florida
- FDIC Certificate
- #34775
- Health Grade
- B (77/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Everbank National Assn holds a Tier 1 capital ratio of 13.52%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Everbank National Assn has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Everbank National Assn shows strong financial health indicators. With $39.4B in assets and a Health Score of 77/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Everbank National Assn Compares
Everbank National Assn’s Health Score of 77 is 3 points above the Florida state average of 74 across 83 FDIC-insured banks. Its 13.52% Tier 1 capital ratio is 0.5 points below the US banking industry average near 14%. The 1.88% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.82% is below the national ROA benchmark of ~1.1%. Among 53 similarly-sized banks, the average Health Score is 79, meaning this bank ranks below its size cohort. Site-wide, Everbank National Assn is 7 points above the portfolio average of 70.
Frequently Asked Questions
Everbank National Assn has a Bank Health Score of B (77/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 13.52%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Everbank National Assn's Tier 1 capital ratio of 13.52% and nonperforming loan ratio of 1.88% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Everbank National Assn is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #34775). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Everbank National Assn holds $39.4B in total assets and $29.3B in total deposits. It is headquartered in Jacksonville, Florida (FDIC Certificate #34775).
Everbank National Assn has a Tier 1 capital ratio of 13.52%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.88%, and the return on assets is 0.82%.
Yes. Everbank National Assn is FDIC-insured (Certificate #34775). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Everbank National Assn's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.