Results · September 29, 2026
Capital Slipped 0.17 Point. The Median Would Like a Word.
The Mean's leverage ratio fell to 8.98% while the Median's rose to 10.97%. About $77.1 million of bond losses sit underneath both.
EVERYWHERE (Sept. 29, 2026) — EveryBank's leverage ratio fell 0.17 percentage point to 8.98%. Its tier 1 risk-based ratio fell 0.19 percentage point to 13.80%. Nothing broke. Assets grew faster than retained earnings, because EveryBank paid out most of what it earned.
| Q2 2026 | Mean | Median |
|---|---|---|
| Leverage ratio | 8.98% (−0.17 pt) | 10.97% (+0.11 pt) |
| Tier 1 risk-based | 13.80% | 14.63% |
| Equity | $619.2M | $41.2M |
| Unrealized securities losses | $77.1M | $3.1M |
| Unrealized losses ÷ equity | 12.4% | 7.0% |
EveryBank carries $77.1 million of unrealized losses on its securities, 5.5% of what it paid:
- $51.2 million in held-to-maturity bonds, down 10.5% from cost. These don't touch regulatory capital unless the bonds are sold. That is the whole point of the label, and also the whole problem with it.
- $25.9 million in available-for-sale bonds, down 2.9%.
"The FDIC's Problem Bank List holds 47 banks, 1.1% of the industry. EveryBank is therefore 1.1% a problem bank. I have rounded this down to zero and up to one, depending on who is asking."
— Perry Sentyle (%), Chief Risk Officer
EveryBank's tier 1 risk-based ratio differs slightly from the FDIC's published figure. The Risk Register explains why.