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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-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
71
/ 100
StableAs of 2024-Q2QoQ 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-Q2

Bank #2735146 2024-Q2 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 34.0% (Adjusted NPL + Performing Mods denominator).
  2. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.57% of assets (threshold 3%).
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 44.0% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q1 2024:
↑ 0 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↓ -7
  • Asset Quality
    ↑ +7
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ 0
66
Sub-score

Liquidity is stable: brokered 4.1%, loans/deposits 95.1%, cash 1.6% of assets.

Cash / Assets
1.57%
Loans / Deposits
95.13%
Brokered %
4.09%

Watch Items

  • watchCash / Assets below 3% — Cash 1.57% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.56%
No watch items at this period.

Capitalization

StrongQoQ -7
89
Sub-score

Capital position is strong: Tier 1 RBC 13.52%, CET1 13.52%, leverage 9.10%.

Tier 1 RBC
13.52%
CET1
13.52%
Leverage
9.10%
No watch items at this period.

Asset Quality

StableQoQ +7
73
Sub-score

Asset quality is stable: Adjusted NPL 1.90%, Texas Ratio 14.2%, NCO YTD 0.06%.

Adjusted NPL
1.90%
Govt-guarantees stripped
Texas Ratio
14.2%
NCO YTD
0.06%
30-89 PD
0.76%
Band 0.3% / 3.0%
90+ PD
1.42%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.42%.

Reserves

RiskQoQ +1
13
Sub-score

Reserves are weak: ALLL 0.83% of loans, coverage 44.0%, true coverage 34.0%.

ALLL / Loans
0.83%
Coverage
44.0%
True Loss Coverage
34.0%

Watch Items

  • infoALLL / NPL below 50% — Coverage 44.0% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 34.0% (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