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Everbank National Association

IDRSSD: 2735146
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
71
/ 100
StableAs of 2024-Q1QoQ 0

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q1

Bank #2735146 2024-Q1 Vital Signs Score: 71/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Stable
Securities:Strong
Capitalization:Strong
Asset Quality:Stable
Reserves:Risk

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 30.2% (Adjusted NPL + Performing Mods denominator).
  2. watch
    ALLL / NPL below 50%
    Reserves — Coverage 37.3% (regulatory soft-warning level 50%).
  3. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.65% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2023:
↓ 0 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↑ +3
  • Reserves
    ↓ 0

The five pillars

Liquidity

StableQoQ -4
66
Sub-score

Liquidity is stable: brokered 6.0%, loans/deposits 92.9%, cash 1.7% of assets.

Cash / Assets
1.65%
Loans / Deposits
92.88%
Brokered %
5.98%

Watch Items

  • watchCash / Assets below 3% — Cash 1.65% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.66%
No watch items at this period.

Capitalization

StrongQoQ 0
96
Sub-score

Capital position is strong: Tier 1 RBC 14.07%, CET1 14.07%, leverage 9.34%.

Tier 1 RBC
14.07%
CET1
14.07%
Leverage
9.34%
No watch items at this period.

Asset Quality

StableQoQ +3
66
Sub-score

Asset quality is stable: Adjusted NPL 2.32%, Texas Ratio 16.9%, NCO YTD 0.03%.

Adjusted NPL
2.32%
Govt-guarantees stripped
Texas Ratio
16.9%
NCO YTD
0.03%
30-89 PD
0.86%
Band 0.3% / 3.0%
90+ PD
1.68%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.32% (govt-guarantees stripped).
  • watch90+ days past due elevated — 90+ PD 1.68%.

Reserves

RiskQoQ 0
12
Sub-score

Reserves are weak: ALLL 0.86% of loans, coverage 37.3%, true coverage 30.2%.

ALLL / Loans
0.86%
Coverage
37.3%
True Loss Coverage
30.2%

Watch Items

  • watchALLL / NPL below 50% — Coverage 37.3% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 30.2% (Adjusted NPL + Performing Mods denominator).

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 06:03:07 UTC