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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southeast · Florida, the state note

Everbank National Association

Jacksonville, Florida · $46.69B in assets · beside the 6 other Florida banks over $10B

The filing

98.0%
Loans / deposits
7th of 7
20.7%
CRE / loans
2nd of 7
+12.3%
Loans, year over year
2nd of 7, largest first

Everbank National Association is the second largest of the 7 Florida banks over $10B, with $46.69B in assets at 30 June 2026. Loans are 98.0% of deposits, the highest in the cohort against a median of 89.8%, and equity is 9.2% of assets, 5th of 7. Loans grew +12.3% in the year, 2nd of 7, and deposits grew 8.6%; the cohort's median loan growth is +7.7%.

Noncurrent loans are 1.42% of the book, 5th of 7 against a median of 0.81%; 0.33% is 30 to 89 days past due, and the allowance covers them 0.6 times. Commercial real estate is 20.7% of loans, 2nd of 7 against a median of 34.7%, and 169% of capital, below the 300% screen, with construction at 2% against the 100% screen.

Return on assets is 0.99%, 4th of 7 against a median of 0.99%, on an efficiency ratio of 51.8%, 3rd of 7. Five years ago it was 0.71%. The question is which of these lines moves first over the next four quarters, and against which peer.

Loans as a share of depositsFL banks over $10B · 30 June 2026 · lower is stronger, listed first
median 89.8% SN Seacoast National Bank 78.3% AB Amerant Bank National Association 82.1% BN Bankunited National Association 82.3% RJ Raymond James Bank 89.8% SB Southstate Bank N.A. 90.9% CN City National Bank of Florida 93.2% EN Everbank National Association 98.0%
Loans, year over yearFL banks over $10B · 30 June 2026 · no better direction, largest first
median +7.7% SN Seacoast National Bank +24.0% EN Everbank National Association +12.3% SB Southstate Bank N.A. +7.7% CN City National Bank of Florida +7.7% RJ Raymond James Bank +7.5% BN Bankunited National Association -0.1% AB Amerant Bank National Association -4.5%

SBA 7(a), FY2008 to FY2026

Everbank National Association is the 146th largest 7(a) lender into California of 512, with $32M across 20 loans, 0.1% of everything approved in the state (Wells Fargo Bank National Association leads with $5.56B). Every market on its book has had an approval since FY2023.

Where it lends in California, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Los Angeles, CA$19M101st of 3080.1%thin
Lane, OR$5M19th of 841.2%thin
Sacramento, CA$5M66th of 1700.2%thin
Orange, CA$3M133rd of 2560.0%thin
San Bernardino, CA$2M121st of 2130.1%thin
San Diego, CA$2M140th of 2380.0%thin
Genesee, MI$1M46th of 880.3%thin
Yamhill, OR$1M28th of 550.9%thin
Maricopa, AZ$714K230th of 3030.0%thin
Riverside, CA$599K182nd of 2190.0%thin
San Luis Obispo, CA$150K93rd of 990.0%thin
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Health care & social assistance7$11M27.5%0.02%363rd of 2,172
Construction2$6M14.4%0.02%512th of 2,063
Manufacturing2$6M14.3%0.01%642nd of 2,246
Other services6$5M13.6%0.02%511th of 2,248
Retail trade1$4M9.2%0.01%847th of 2,589
7(a) lenders into California, share of approvals since FY2008512 lenders on record; the ten largest and Everbank National Association
WF Wells Fargo Bank National Associa… 8.5% $5.56B · 15,065 loans UB U.S. Bank, National Association 7.3% $4.78B · 14,424 loans LO Live Oak Banking Company 4.5% $2.95B · 2,312 loans EB Enterprise Bank & Trust 4.3% $2.82B · 2,975 loans Bo Bank of Hope 3.9% $2.57B · 6,200 loans CB Columbia Bank 3.6% $2.33B · 3,734 loans JC JPMorgan Chase Bank, National Ass… 2.8% $1.86B · 9,370 loans OB Open Bank 2.5% $1.65B · 1,421 loans HS Harvest Small Business Finance, L… 2.4% $1.59B · 1,278 loans CB Celtic Bank Corporation 2.4% $1.57B · 2,551 loans EN Everbank National Association 0.0% $32M · 20 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Everbank National AssociationRankCohort median
Total CRE against capital, the 300% screen169%2nd of 7218%
Construction against capital, the 100% screen2%2nd of 740%
Construction and land development, share of loans0.3%2nd of 75.7%
Non-owner-occupied nonfarm nonresidential, share of loans7.3%1st of 723.2%
Total CRE, the guidance definition, share of loans20.7%2nd of 734.7%
CRE growth over 36 months, the third prong+17.9%3rd of 7+20.1%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Southstate Bank N.A.$68.79B1.4%52.7%0.54%0.07%1.1%90.9%14.1%
Everbank National Association$46.69B1.0%51.8%1.42%0.02%0.8%98.0%9.2%
Raymond James Bank$45.60B1.7%35.4%0.28%0.04%0.9%89.8%7.3%
Bankunited National Association$34.86B0.9%57.7%1.69%0.36%0.9%82.3%9.1%
City National Bank of Florida$29.11B1.2%45.1%0.81%0.09%1.1%93.2%10.6%
Seacoast National Bank$21.34B0.9%59.0%0.66%0.10%1.4%78.3%14.2%
Amerant Bank National Association$10.27B0.9%65.1%2.49%0.25%1.2%82.1%9.6%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Everbank National AssociationCohort median
20212026Change20212026Change
Loans$32.60B$37.06B+14%$22.89B$23.93B+5%
Deposits$27.00B$37.81B+40%$27.00B$29.09B+8%
NPA / loans7.69%1.42%-6.28 pts0.71%0.81%+0.09 pts
Efficiency70.4%51.8%-18.6 pts55.1%52.7%-2.4 pts
ROA0.71%0.99%+0.28 pts1.19%0.99%-0.20 pts

This read was prepared for Everbank National Association's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Everbank National Association is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort FL banks over $10B
Institution www.everbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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