EverBank, National Association
Jacksonville, Florida, Duval County
$46.7B in total assets, the 55th largest of 4,309 US banks and 2nd of 84 headquartered in Florida.
- FDIC certificate
- 34775
- Established
- 1998
- Owned by
- Everbank Financial Corp
- Primary regulator
- OCC
- Website
- www.everbank.com
At a glance
Compared with 132 US banks with $10 billion to $100 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $46.7B | 83% | $22.4B | |
| Loans | $37.1B | 88% | $14.4B | |
| Deposits | $37.8B | 84% | $18.0B | |
| Return on assets | 0.88% | 17% | 1.30% | |
| Net interest margin | 2.70% | 12% | 3.62% | |
| Efficiency ratio | 51.7% | 37% | 55.2% | |
| Equity to assets | 9.16% | 17% | 11.60% | |
| Loans to deposits | 98% | 84% | 87% |
Growth
Total assets grew 4.0% a year over the last 5 years and 5.5% a year over 10 years, including 2 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Apr 2025 | Sterling Bank and Trust, FSB Southfield, MI | $2.3B |
| Jun 2017 | TIAA-CREF Trust Company, FSB Saint Louis, MO | $4.8B |
| May 2010 | Bank of Florida - Southwest Naples, FL | $641M |
| May 2010 | Bank of Florida - Southeast Fort Lauderdale, FL | $595M |
| May 2010 | Bank of Florida - Tampa Bay Tampa, FL | $241M |
| Jan 2001 | Marine National Bank of Jacksonville Jacksonville, FL | $90M |
Where they operate
42 branches in 19 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Duval County, FL | $29.8B | 27.2% | 2 of 28 |
| San Francisco County, CA | $1.5B | 0.4% | 12 of 46 |
| Los Angeles County, CA | $1.2B | 0.2% | 32 of 91 |
| Pinellas County, FL | $748M | 1.0% | 13 of 33 |
| Lee County, FL | $733M | 3.5% | 9 of 34 |
| Collier County, FL | $628M | 3.3% | 9 of 37 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 30 branches since 2016 (12 to 42, +250.0%). 7 opened, 27 acquired, 4 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 12 | |||
| 2017 | Acquired TIAA-CREF Trust Company, FSB | 1 | 0 | +1 | 13 |
| 2021 | Closed Jacksonville | 0 | 1 | −1 | 12 |
| 2024 | Opened Encino and Roseville | 2 | 0 | +2 | 14 |
| 2025 | Acquired Sterling Bank and Trust, FSBOpened 3 in 2 states | 29 | 0 | +29 | 43 |
| 2026 through Q2 | Opened Santa Monica and Thousand OaksClosed 3 in California | 2 | 3 | −1 | 42 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 19% | 21% | |
| Multifamily | 13% | 8% | |
| Commercial real estate | 8% | 25% | |
| Business (C&I) | 4% | 17% | |
| Consumer | 3% | 10% | |
| Construction and land | 0% | 6% | |
| Other | 52% | 12% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 74% | 62% | |
| Time deposits | 20% | 18% | |
| Noninterest-bearing | 5% | 20% |
Brokered deposits are 1.7% of deposits (peers 7.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 1.43% | 0.63% |
| Net charge-offs, annualized | 0.02% | 0.14% |
| Reserves to loans | 0.84% | 1.15% |
| Leverage ratio | 9.05% | 10.26% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Florida
Largest competitors in Duval County, FL
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/everbank