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EverBank, National Association
Jacksonville, FL·FDIC Cert #34775·Charter: OCC·Est. 19981001.0·HC: EVERBANK FINANCIAL CORP
Total Assets
$46.0B
Q4 2025
Return on Assets
0.72%
-0.03%Peer avg: 1.13%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
56.37%
Peer avg: 52.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
52
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.72%-0.03
ROE
8.10%-0.40
Efficiency
56.37%-3.05
Equity/Assets
0.00%+0.00
NPL Ratio
1.32%-0.11
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
96.36%+3.74
Charge-offs
0.03%+0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.6 | 0.6 | 0.6 | 0.6 | 0.7 | 0.7 | 0.8 | 0.7 |
| ROE | 6.2 | 6.4 | 6.7 | 7.0 | 8.0 | 7.6 | 8.5 | 8.1 |
| Efficiency | 63.5 | 63.5 | 63.0 | 62.6 | 58.5 | 59.6 | 59.4 | 56.4 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 2.3 | 1.9 | 1.9 | 1.8 | 1.7 | 1.5 | 1.4 | 1.3 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 92.9 | 95.1 | 90.7 | 91.4 | 97.2 | 94.0 | 92.6 | 96.4 |
Balance Sheet
Total Assets$46.0B
Total Deposits$37.0B
Total Loans$35.6B
Total Equity$4.1B
Profitability
ROA0.72%
ROE8.10%
Efficiency Ratio56.37%
Net Income$313.7M
Risk & Asset Quality
NPL Ratio1.32%
Charge-off Rate0.03%
Loan/Deposit96.36%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans