TellerScore

Headquartered in Fort Lauderdale, Florida, Evermore Bank is a state-chartered bank with $316.9M in total assets and $269.1M in deposits as of Q2 2026. It operates 2 offices.

Evermore Bank has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than 57% of its 2,650 banks with $100 million – $1 billion. Among 82 banks headquartered in Florida, it ranks 22nd. Loan quality contributes the most (100/100, 0.00%); funding & liquidity contributes the least (28/100, 99% loans-to-deposits, 46% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion85/100
Tier 1 leverage ratio: 13.52%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings48/100
Return on assets (annualized): 0.70%
Funding & liquidity28/100
Loans ÷ deposits and uninsured-deposit share: 98.5% · 45.8% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 6 points (80 → 74), mostly because the capital cushion component weakened by 15 points.

TellerScore
737780Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202477
Q4 202476
Q1 202575
Q2 202580
Q3 202580
Q4 202578
Q1 202673
Q2 202674
Tier 1 leverage ratio
5.00%13.25%21.50%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202417.40%
Q3 202421.50%
Q4 202420.39%
Q1 202518.96%
Q2 202517.05%
Q3 202515.40%
Q4 202514.31%
Q1 202613.50%
Q2 202613.52%
Noncurrent loans
-1.00%0.00%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
-0.51%0.16%0.83%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.51%
Q3 2024-0.14%
Q4 20240.00%
Q1 20250.07%
Q2 20250.83%
Q3 20250.71%
Q4 20250.67%
Q1 20260.47%
Q2 20260.70%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$316.9M13.52%0.00%0.70%98.5%
Q1 202673$314.4M13.50%0.00%0.47%91.1%
Q4 202578$293.8M14.31%0.00%0.67%87.2%
Q3 202580$271.2M15.40%0.00%0.71%93.1%
Q2 202580$244.0M17.05%0.00%0.83%100.0%
Q1 202575$215.2M18.96%0.00%0.07%99.6%
Q4 202476$196.1M20.39%0.00%0.00%88.9%
Q3 202477$185.5M21.50%0.00%-0.14%79.5%
Q2 202474$168.2M17.40%0.00%-0.51%73.6%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.52%
79th
Total risk-based capital16.83%
77th
Problem loans0.00%
94th
Net charge-offs0.00%
68th
Return on assets0.70%
19th
Net interest margin3.50%
28th
Efficiency ratio62.0%
51st
Loans to deposits98.5%
12th
Uninsured deposits45.8%
6th
Loan-loss reserves1.14%
43rd
Texas ratio0.0%
95th

Similar-size banks in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
BankMiamiBank Coral Gables, FL62 out of 100, Moderate$317.9M11.4%0.00%vs
DLP BankBank Starke, FL74 out of 100, Strong$301.4M15.3%1.45%vs
Natbank, National AssociationBank Hollywood, FL77 out of 100, Strong$296.5M29.8%0.00%vs
First Colony Bank of FloridaBank Maitland, FL79 out of 100, Strong$291.1M9.9%0.17%vs
Gulfside BankBank Sarasota, FL76 out of 100, Strong$344.6M11.2%0.00%vs
First National Bank of PascoBank Dade City, FL64 out of 100, Moderate$280.0M10.2%0.36%vs

Deposit insurance

Is my money safe at Evermore Bank?

Yes. Evermore Bank is an FDIC-insured institution (FDIC certificate #59306). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 45.8% of deposits ($123.2M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.52%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.83% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

Evermore Bank lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Evermore Bank
Type
State-chartered bank
FDIC certificate #
59306
RSSD ID
5692473
Primary regulator
FDIC
Established
December 15, 2022
Headquarters
3696 N Federal Hwy, Fort Lauderdale, FL 33308
Employees
29

Quick answers

Evermore Bank: common questions

Is Evermore Bank FDIC insured?

Yes. Evermore Bank is an FDIC-insured institution (FDIC certificate #59306). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Evermore Bank's TellerScore?

74 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Evermore Bank ever failed?

There is no failure record for FDIC certificate #59306 in the FDIC failed bank list.

How many branches does Evermore Bank have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Fort Lauderdale

InstitutionScoreAssetsCapitalProblem loansCompare
Jm Associates Federal Credit UnionCredit union Jacksonville, FL87 out of 100, Very strong$151.2M15.5%0.71%vs
Desjardins Bank, National AssociationBank Hallandale, FL84 out of 100, Strong$362.1M19.3%0.31%vs
Dade County Federal Credit UnionCredit union Sweetwater, FL84 out of 100, Strong$1.5B13.1%0.31%vs
Educational Federal Credit UnionCredit union Miami, FL84 out of 100, Strong$1.8B15.4%0.61%vs
Shaw-Ross Employees Credit UnionCredit union Miami, FL81 out of 100, Strong$6.8M14.9%0.53%vs
Pompano Beach City Emp. Credit UnionCredit union Pompano Beach, FL80 out of 100, Strong$31.0M19.3%0.06%vs