Total Assets
$294M
Total balance-sheet footings
FDIC Cert #59306 · Fort Lauderdale, Florida · Est. 2022
Evermore Bank - FDIC Bank Health Profile
A community-scale look at Evermore Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $294M
- Total assets
- B
- Health grade · Good
- 0.67%
- Return on assets
- 18.4%
- Tier 1 capital
Data updated July 2026
The verdict
Evermore Bank earns a PlainBankData health grade of B (78/100), with well-capitalized at 18.41% Tier 1, 0.67% ROA, 74% efficiency ratio.
- #2,516
- largest of 4,313 FDIC banks by assets
- 42nd
- percentile by asset size, nationally
- 18.41%
- Tier 1 ratio - above the 10% well-capitalized line
- 23rd
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Evermore Bank's 78/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Evermore Bank's composite health score
Tier 1 Capital Ratio (18.41%) 40/40
Return on Assets (ROA) (0.67%) 14/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (73.79%) 4/15
78 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$251M
Customer-funded liabilities
Net Loans
$218M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Evermore Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Evermore Bank's score of 78/100 falls in the highlighted band.
Evermore Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Evermore Bank's $294M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
18.41% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
18.41%
Texas Ratio
0.00%
Equity Capital
$40M
Profitability metrics
Return on Assets (ROA)
23rd percentile nationally
0.67%
Return on Equity (ROE)
4.14%
Efficiency Ratio
73.79%
What the numbers say about Evermore Bank
Evermore Bank is an FDIC-insured institution (Certificate #59306) headquartered in Fort Lauderdale, Florida, established in 2022. It holds $294M in total assets - 2,516th of 4,313 FDIC-insured banks, $251M in customer deposits, and $218M in net loans. Looking at capital strength, Tier 1 stands at 18.41%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 0.00%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (78/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Florida, Evermore Bank ranks 61st of 83 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$17M
Interest Income
$346K
Non-Interest Income
$7M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Evermore Bank reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Florida by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Evermore Bank (FDIC Cert #59306) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Florida
All Florida banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| SouthState Bank, National AssociationWinter Haven | $67.2B | A | 1.40% |
| EverBank, National AssociationJacksonville | $46.0B | B | 0.72% |
| Raymond James BankSaint Petersburg | $43.4B | A | 1.47% |
| BankUnited, National AssociationMiami Lakes | $35.0B | B | 0.89% |
| City National Bank of FloridaMiami | $28.0B | A | 0.96% |
| Seacoast National BankStuart | $20.8B | A | 0.91% |
| Amerant Bank, National AssociationCoral Gables | $9.8B | C | 0.64% |
| Ocean BankMiami | $7.4B | B | 0.92% |
Frequently asked questions
What is Evermore Bank's health grade?▼
Evermore Bank receives a health grade of B (78/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Evermore Bank?▼
Evermore Bank holds $294M in total assets and $251M in deposits, ranking 2,516th of 4,313 FDIC-insured banks by asset size. It is headquartered in Fort Lauderdale, Florida.
Is my money safe at Evermore Bank?▼
Yes, deposits at Evermore Bank (Certificate #59306) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Evermore Bank's Tier 1 Capital Ratio?▼
Evermore Bank has a Tier 1 Capital Ratio of 18.41%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Evermore Bank?▼
Evermore Bank has a Texas Ratio of 0.00%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Evermore Bank?▼
Evermore Bank has an Efficiency Ratio of 73.79%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Evermore Bank's profile as a depositor or analyst.
- Evermore Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Evermore Bank against other Florida banks before moving funds. Florida banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.