Everbank National Assn: Bank Stress & Real-Estate Credit Exposure

Everbank National Assn (FDIC Cert #34775) carries a DLRadar bank-stress score of 73/100, a elevated reading of the credit and balance-sheet pressure weighing on the institution. DLRadar builds the reading from the institution's federal call-report filings (capital, credit quality, earnings, real-estate exposure) and weights it by the markets it finances.

The combination of a elevated reading and a mid-sized footprint is what makes Everbank National Assn worth watching as a supply signal. The recent trend is stable. Momentum matters as much as the level — a rising score means the lenders behind a market are tightening, and financing tends to seize up before distress reaches listings. DLRadar does not model Everbank National Assn in isolation: the 1,151-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 18 counties, so a shift in the bank's elevated posture can be read directly against on-the-ground distress. Because Everbank National Assn is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 73/100 reading stays current and directly comparable — a like-for-like number across 4 states and against any other institution. Its footprint is mid-sized and multi-state: 1,151 ZIP codes in 18 counties over 4 states. Its heaviest exposure sits in California (9 counties), Florida (7 counties), New York (1 county), Missouri (1 county). Everbank National Assn's score blends four call-report dimensions — capital, credit quality, earnings and property-loan concentration — into one 0–100 number, weighted by lending footprint, which is why it reads as a market signal rather than a generic solvency grade. Everbank National Assn is held under Everbank Financial Corp, so its disclosures are public and its stress trajectory is externally verifiable. At the county level, Everbank National Assn finances markets like Los Angeles County, CA, San Bernardino County, CA, Orange County, CA, Miami Dade County, FL — the specific places where its credit posture translates into local lending capacity.

For buyers, lender stress is an early map of supply: when Everbank National Assn pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.