EverBank / TIAA-CREF

501 Riverside Avenue
Jacksonville, FL 32202

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 34775
Date Established 1998
Assets $27.77 billion
Loans $24.75 billion
Deposits $19.43 billion
Capital $2.30 billion

EverBank / TIAA-CREF is an FDIC insured institution located in Jacksonville, FL. It was founded in 1998 and has approximately $27.77 billion in assets. Customers can open an account at one of its 14 branches.

For a more detailed analysis of EverBank / TIAA-CREF's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in EverBank / TIAA-CREF’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Multifamily Mortgages.

Compared to other banks in Florida, EverBank / TIAA-CREF has a significantly higher percent of 1-4 Family Residential Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 58.89
Multifamily
Mortgages
4.06
Credit Card Loans 0.01
Consumer Auto Loans 0.00
Small Business Loans 0.22
Construction and Development Loans 0.48
Commercial Real Estate 10.45
Commercial and Industrial Loans 2.90
Farm Loans 0.00

Savings Rates

Your Current Location: Virginia, VA 20146

Checking Rates APY MIN FEE
Yield Pledge® Checking 0.71% $0 $0.00 Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

BestCashCow tracks mortgage, home equity, and auto loan rates. In the future, we will be adding other loan products. Please contact the lender for questions about their loan products.

Home Equity Rates APR Rate Monthly Payment
Line of Credit 4.88% 4.88% Varies Learn MoreShow Less
Refinance Mortgage Rates APR Rate Monthly Payment
15 Year Fixed Conforming 3.15% 3.00% $1,726.45 Learn MoreShow Less
15 Year Fixed Jumbo 3.30% 3.25% $1,756.67 Learn MoreShow Less
30 Year Fixed Jumbo 3.71% 3.63% $1,140.83 Learn MoreShow Less
30 Year Fixed Conforming 3.84% 3.75% $1,157.79 Learn MoreShow Less
Purchase Mortgage Rates APR Rate Monthly Payment
15 Year Fixed Conforming 3.15% 3.00% $1,726.45 Learn MoreShow Less
15 Year Fixed Jumbo 3.30% 3.25% $1,756.67 Learn MoreShow Less
30 Year Fixed Jumbo 3.71% 3.63% $1,140.83 Learn MoreShow Less
30 Year Fixed Conforming 3.84% 3.75% $1,157.79 Learn MoreShow Less

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.

Branches

EverBank / TIAA-CREF branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Everbank / Tiaa-cref Locations

Financial Details

EverBank / TIAA-CREF Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of EverBank / TIAA-CREF. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
EverBank / TIAA-CREF U.S. Bank Average
172.17% 8.87%

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of March 31, 2017, EverBank / TIAA-CREF had $4,089,191,000 in non-current loans and $32,004,000 in owned real estate. To cover these potential losses it had $2,298,542,000 in equity and $95,158,000 in loans loss reserves. That gives it a Texas Ratio of 172.17%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
EverBank / TIAA-CREF U.S. Bank Average
7.44% 8.39%

EverBank / TIAA-CREF has a Return on Equity of 7.44% versus the BestCashCow average of 8.39%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
EverBank / TIAA-CREF U.S. Bank Average
8.28% 11.94%

EverBank / TIAA-CREF has a Capitalization of 8.28% versus the BestCashCow average of 11.94%. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

EverBank / TIAA-CREF Balance Sheet Analysis

As of March 31, 2017, EverBank / TIAA-CREF had assets of $27,766,195,000, loans of $24,745,948,000, and deposits of $19,429,158,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Customer Reviews for EverBank / TIAA-CREF


  • Jackie

    June 01, 2015

    This bank is run by masters of deception with all of their silly products aimed to cheating people out of their hard earned money. I bet that every one in the management suite has a rap sheet. I wouldn't even give them a red cent.

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