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Everbank National Association

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

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
71
/ 100
StableAs of 2025-Q1QoQ +1

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

Quarterly Headline

2025-Q1

Bank #2735146 2025-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
    Cash / Assets below 3%
    Liquidity — Cash 1.99% of assets (threshold 3%).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 41.4% (Adjusted NPL + Performing Mods denominator).
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 47.4% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q4 2024:
↑ +1 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↑ +2
  • Reserves
    ↑ +2

The five pillars

Liquidity

StableQoQ 0
67
Sub-score

Liquidity is stable: brokered 2.0%, loans/deposits 97.2%, cash 2.0% of assets.

Cash / Assets
1.99%
Loans / Deposits
97.22%
Brokered %
1.96%

Watch Items

  • watchCash / Assets below 3% — Cash 1.99% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.11%
No watch items at this period.

Capitalization

StrongQoQ -1
84
Sub-score

Capital position is strong: Tier 1 RBC 12.86%, CET1 12.86%, leverage 9.15%.

Tier 1 RBC
12.86%
CET1
12.86%
Leverage
9.15%
No watch items at this period.

Asset Quality

StableQoQ +2
77
Sub-score

Asset quality is stable: Adjusted NPL 1.73%, Texas Ratio 13.2%, NCO YTD 0.01%.

Adjusted NPL
1.73%
Govt-guarantees stripped
Texas Ratio
13.2%
NCO YTD
0.01%
30-89 PD
0.59%
Band 0.3% / 3.0%
90+ PD
1.21%
Band 0.1% / 2.0%

Watch Items

  • info90+ days past due elevated — 90+ PD 1.21%.

Reserves

RiskQoQ +2
16
Sub-score

Reserves are weak: ALLL 0.81% of loans, coverage 47.4%, true coverage 41.4%.

ALLL / Loans
0.81%
Coverage
47.4%
True Loss Coverage
41.4%

Watch Items

  • infoALLL / NPL below 50% — Coverage 47.4% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 41.4% (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