Six reportable segments · Q2 2026, per-institution mean unless noted

Core business lines.

EveryBank doesn't choose its segments — they're whatever the equal-weighted average of every FFIEC Call Report filer happens to add up to. Some are universal. Some are run by one bank in fifty. The coverage rate next to each one tells you which is which; the averages alone would not.

Segment 01

Community & Commercial Lending

~100%of banks run this segment

The engine every constituent runs, without exception. Single-family residential mortgages carry the largest single share of the average loan book, followed closely by non-owner-occupied commercial real estate — construction and C&I round out a broad, unremarkable mix that looks nearly identical whether the bank has $50 million or $50 billion in assets.

$3.29B

Total loans, mean bank

$255M

Total loans, median bank

$703M

SFR 1-4 family, mean

$294M

Non-owner-occ. CRE, mean

Segment 02

Investment Securities

~90%+hold Treasuries, agency, or muni paper

The ballast portfolio. Municipal bonds are, somewhat surprisingly, the single most universally-held security — more common across the industry than Treasuries — a legacy of the small-community-bank habit of buying tax-exempt paper issued by its own service area. Trading assets, by contrast, sit on almost nobody's balance sheet.

74.5%

of banks hold any municipal bonds

47.8%

of banks hold any Treasuries

4.4%

of banks hold any trading assets

$332M

mean trading assets (among the 4.4%)

Segment 03

Wholesale Funding & Deposits

52.5%use FHLB advances — the one wholesale tool most banks actually touch

Deposits do essentially all of the work — transaction and nontransaction accounts fund over 80% of the average balance sheet. Beyond that, FHLB advances are the only wholesale-funding instrument with real industry-wide reach; repo and fed funds purchased are minority practices, largely the province of larger institutions.

$4.48B

Total deposits, mean bank

83.7%

Deposits as % of assets, mean bank

14.9%

of banks use repo funding at all

6.5%

of banks use fed funds purchased at all

Segment 04

Capital Markets & Derivatives

27.2%of banks carry any interest-rate derivative at all

Enormous in the mean, essentially absent in the median — the most bimodal segment EveryBank runs. Plain-vanilla interest-rate swaps are the only instrument with meaningful industry reach; FX, equity, and commodity derivatives are a rounding error for the many and a real, deliberate franchise for a handful of dealer desks. Schedule RC-L, not RC-R Part II, is the source here — RC-R Part II is a regulatory capital table, not a complete record of derivative activity.

27.2%

of banks, any IR notional

1.8%

of banks, any FX notional

3.4%

of banks, any credit derivatives

0.8%

of banks, any commodity derivatives

Growing, not static: the share of banks running any credit-derivative position has climbed steadily industry-wide, from 0.62% in 2010 to 3.37% by 2026 — more than a fivefold increase in adoption over the decade, tracking the rise of significant-risk-transfer transactions as a regional-bank capital tool.

Segment 05

Mortgage Banking

7.6%of banks report any origination activity this quarter

A real, cyclical business for the specialists — and a textbook illustration of a macro cycle showing up in bank-level data. Origination volume roughly doubled industry-wide from 2019 to the 2020-21 refinancing boom, then fell by more than half through the 2022-23 rate-hike "mortgage winter," and remains below its 2020-21 peak as of this quarter.

$100.1M

Mean retail originations, Q2 2026

$165.9M

Mean retail originations, Q2 2020 (peak)

$54.8M

Mean retail originations, Q2 2023 (trough)

24.1%

of banks carry any MSR asset

Segment 06

Wealth, Trust & Custody

9.7%of banks run any fiduciary business

The narrowest club EveryBank belongs to — even narrower than Capital Markets. A small number of custody-focused banks hold hundreds of billions of dollars in fiduciary and custody assets each — enough to pull the mean above $400 billion, a figure roughly 70 times EveryBank's own mean total assets. Fewer banks run any trust or custody business at all (8.8–9.7%) than hold any interest-rate derivative (27.2%) — about as many as run a plain-vanilla swap (9.3%). Capital Markets is still the more lopsided segment by dollars; this is the more exclusive one by membership. For nine banks in ten, it simply doesn't exist.

$422B

Mean custody assets (all 4,239 banks)

$1.22B

Median fiduciary assets (among the 9.7% with any)

9.7%

of banks, any fiduciary business

8.8%

of banks, any custody business