Our people · Management · Staff
Meet the average.
EveryBank's staff is exactly what the average bank website shows you: stock photography. We just tell you so. Management declined to be photographed; the arithmetic doesn't have a good side.
Management

Reports the industry's outcome every quarter. Has never missed guidance. Has never beaten it.

Keeps two sets of books, the mean and the median, and says the distance between them is the only interesting thing he does.

The percentile. Stands between Mean and Median and decides who gets through. Basically runs the bank. Not a people person: he sees risk in people, and people return the feeling. Says he speaks only in ranges, then doesn't. Has a retraction on file.

Signs the bank's statements on lending. Believes collateral is collateral once. Asked where he works, says wherever the loan is. On average, that's everywhere.
EveryBank's in-house regulator since late September, when the real ones started asking fewer questions. Recommended by the editor. Does not sign off on anything, posthumously or otherwise. Hated by both sides; essential to everyone. Her appointment.
Regulation is the game. Constance keeps us constant.Staff
Gen X. Writes the monthly CPI breakdown, on the day BLS releases it, as someone who pays those prices. Would prefer money. Doesn't make enough. Has mostly stopped caring. Still listens to Green Day. His dashboard →
Neither. Disgusted with both
Bank employee for life. Keeps the mortgages on the books, where community banks have kept them for a decade. His rallying cry: more SFR.
Median
Farmland, farm operating loans, and the herd. Calls cattle live collateral: it eats every day, whether or not the loan is paying. One bank in five keeps a quarter of its loans with her. Knows a Hereford from an Angus. Her greatest strength is not letting collateral walk off the farm. Does not trust Perry Sentyle (%) to count it.
Both. The farm is where they agree
Thirty. Wants to sell the mortgage book and build a trading desk. Was in middle school for the financial crisis. Believes house prices always go up. May be poached.
Mean
Promises more than the average. Delivers the average. For the 9.7% of banks that run a trust business at all.
Mean
Runs the funding source the median bank lives on: 97% of its liabilities are deposits, and it borrows nothing from the Home Loan Bank.
Median
Knows the customers by name, which is how the median bank still gets its business.
Median
Grew up a short way up the Mississippi from EveryBank's headquarters. Edits the blog: every post is run by him and carries his comment, even when the comment is no comment. Enforces one rule: every Twain quote on this site must be one he actually wrote. “Figures often beguile me, particularly when I have the arranging of them myself.” (Chapters from My Autobiography, 1907.)
Neutral
Selected from a candidate pool of 1,060,050 similar images. Has had her arms crossed, continuously, since the photo was taken. Has already read your file.
Median, mostly
Joined from In Meeting With His Colleagues. Finances the lot behind the average $50,089 car. Has never left the meeting.
Mean