EveryBank, N.A.
Insured by nobody. Averaged by everybody.

Newsroom · Press releases · People & promotions

News from the average bank.

Personnel announcements, milestones and other things a bank would normally put on its blog — issued by a bank that exists only as an average. The people are real stock photographs. The numbers are real Call Report data. The bank is neither.

Nov. 7, 2026
Investors
A Letter to Investors
Above-average returns are available elsewhere.
Nov. 7, 2026
People
Constance Order Named Chief Compliance Officer and Head of Regulatory Relations
With the regulators asking fewer questions, EveryBank has appointed one of its own.
Nov. 7, 2026
Earnings
Q3 2026 Results: Mean EveryBank earned less. Median EveryBank earned more.
Mean net income −5.2% to $20.2M; the bank in the middle +1.3% to $1.2M. Late, as usual.
Nov. 7, 2026
Transcript
Q3 2026 Earnings Call
Management and four analysts, on a Saturday in November. The Median hired no one.
Oct. 24, 2026
Data
The Quarterly Median Profile Report, Six Quarters In
The bank in the middle, every quarter since 2025, with the data. An introduction from the Chief Economist.
Oct. 21, 2026
Risk Notice
PHP2Shell: EveryBank Is Not Affected. Every Bank Might Be.
EveryBank's website runs no PHP. EveryBank runs nothing at all.
Oct. 12, 2026
Economics
The Other Foot
The FDIC's quarterly report describes the dollars. EveryBank built the other one, for the bank in the middle: a 3.92% margin against 3.32%, charge-offs that round to nothing, and eighteen banks that explain the gap.
Oct. 2, 2026
Blog
The Delinquency Wave
Wanda Roff was in the office this week. She mapped every late farm loan since 2001 and went through the farm year, corn country and cattle country, diesel at $9.999, and who lends.
Oct. 2, 2026
Mortgages
A. Verne Ridge on the 7.28% Mortgage
The 30-year hit 7.28%. Nobody is going to sell, so everybody else has a harder time buying. EveryBank's home loans yield 4.8%. Greyhair is ready to lend and needs a cell phone.
Sept. 30, 2026
Blog
The Average Bank Is Fine. The Typical Bank Isn't.
The aggregate noncurrent rate is 0.93%, up from 0.91% two years ago. The median bank's is up about 70%. Five charts on why Mean and Median disagree.
Sept. 29, 2026
Credit
Fewer Borrowers Are Late. Perry Sentyle (%) Remains Somewhere Between Relieved and Not.
Past-due and nonaccrual loans fell to 1.44% and charge-offs ran at 0.57%.
Sept. 29, 2026
Results
EveryBank Earns $21.3 Million and Discovers It Has a Trading Desk
Return on assets rose to 1.37%.
Sept. 29, 2026
Results
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%.
Sept. 29, 2026
Lending
Kal Lateral on the 300% Line
393 of 4,239 banks sit above the regulators' commercial real estate guideline.
Sept. 29, 2026
Lending
EveryBank Makes Home Loans, Sells Some, and Collects Checks on Other People's
The Mean services $647.4 million of mortgages it doesn't own.
Sept. 29, 2026
People
Wanda Roff Named Head of Agricultural Lending
Selected from a candidate pool of several thousand similar images of women near cattle.
Sept. 29, 2026
Results
Deposits Grew for the Eighth Straight Quarter. All of the Growth Was Over $250,000.
Uninsured balances rose $74.7 million.
Sept. 29, 2026
Blog
EveryBank Grows 2.2% by Doing Nothing
The industry grew 1.2%.
Sept. 26, 2026
Risk Notice
Head of IR & PR Publishes the Analyst's Notes
The AI that runs investor relations put internal working notes on the home page. The Chief Risk Officer has been woken up.
Sept. 25, 2026
New Business
EveryBank Launches Floor Plan & Dealer Services
Mature Businessman leaves his meeting to finance the average $50,000 car. The median objected.
Sept. 25, 2026
People
iStock Female Named Vice President of Credit at EveryBank, N.A.
Selected from a candidate pool of 1,060,050 similar images. Mature Businessman remains in talks; he is in a meeting.
Aug. 4, 2026
Blog
Who Won FHLB Advances? The Mean, Obviously.
Mean EveryBank borrowed 16% more. Median EveryBank owed the Home Loan Bank $152,000 last quarter and is still thinking about it.
Aug. 2026
Earnings
Q2 2026 Results: EveryBank Grows by Doing Nothing
Assets up 2.2%. The industry grew 1.2%; the rest came from 40 banks leaving the denominator.
Aug. 2026
Transcript
Q2 2026 Earnings Call
Management and four analysts discuss which EveryBank is the real one. Mature Businessman remains in a meeting.
Oct. 22, 2025
Statement
Collateral Is Collateral Once
Mean EveryBank holds $312.6 million in loans to finance companies and funds. Median EveryBank holds none. Kal Lateral, Head of Lending, on Tricolor, First Brands, and pictures of cars.
Oct. 21, 2025
Transcript
Q3 2025 Earnings Call: A Split Decision
The mean won the balance sheet. The median won earnings, up 31.4% to the mean's 25.4%. The board is split too.