Raymond James Trust, N.A.: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Raymond James Trust, N.A. is one of the more profitable banks of its size. The Saint Petersburg, Florida bank had $87 million in assets at June 30, 2026, up 10.7% from a year earlier. It returns 23.1% a year on shareholders' equity, 2.7 times the median of 8.6% for the 583 banks with less than $100 million in assets. It also holds common equity equal to 215.65% of its risk-weighted assets, 9.8 times the median of 22.08% for banks its size.
Net income for the quarter rose 12% from a year earlier, to $4.0 million. Its margin is thin by comparison: it keeps 3.30 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.88 cents).
As of June 30, 2026, Raymond James Trust, N.A. reported a CET1 capital ratio of 215.65%, a return on assets of 19.20% and a Texas ratio of 0.00%, according to its call report filed with the FFIEC.
Headquarters Profile
- Metro Area
- Tampa-St. Petersburg-Clearwater, FL
- Federal Reserve member
- —
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Employees (FTE)
- 164
- Domestic deposits
- $0
- Allowance for credit losses
- $0
- Net charge-offs (YTD)
- $0
- Average total assets
- $84.3M
- Average total loans
- $0
- Average interest-bearing deposits
- $0
- Fed RSSD
- 2163477
- SEC CIK
- 720005 → filed by RAYMOND JAMES FINANCIAL, INC.
- Parent Holding Company
- RAYMOND JAMES FINANCIAL, INC. (RSSD 3815157) · RJF
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Paul M Shoukry | CEO | CEO |
| Steven M Raney | CHR | Executive Chair RJBank |
| Tashtego S Elwyn | PRES | President, PCG |
| Jonathan W Oorlog Jr | CFO | Chief Financial Officer |
| Scott A Curtis | COO | Chief Operating Officer |
| Jonathan N Santelli | GC | EVP, General Counsel |
Profitability
Q2 annualizedAsset Quality
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
No provision recorded in the last 12 quarters.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
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26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 215.65% | 19.20% | — | 0.00% | 3.30% |
| Q1 2026 | 221.35% | 19.86% | — | 0.00% | 3.22% |
| Q4 2025 | 248.08% | 21.05% | — | 0.00% | 3.97% |
| Q3 2025 | 239.74% | 20.84% | — | 0.00% | 4.00% |
| Q2 2025 | 240.78% | 17.72% | — | 0.00% | 3.98% |
| Q1 2025 | 228.22% | 15.47% | — | 0.00% | 3.86% |
| Q4 2024 | 243.14% | 13.79% | — | 0.00% | 4.28% |
| Q3 2024 | 240.47% | 23.47% | — | 0.00% | 4.95% |
Swipe the table sideways to see every column.
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 1, 2008 | M&A | Acquired Raymond James Trust Company West merger for the acquired bank | SEC |
| July 1, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2008 | Structure Change | Acquired Raymond James Trust Company West Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
What the public regulatory sources show for Raymond James Trust, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- Not on file: no SoD deposits in its home state
- Period: not on file. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- Not on file: no SBA 7(a) loans matched
- Period: not on file. Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 5 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2024-Q1 to 2026-Q2. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Raymond James Trust, N.A.
What are Raymond James Trust, N.A.'s total assets?
As of the Q2 2026 filing, Raymond James Trust, N.A. reported total assets of $86.6 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Raymond James Trust, N.A. headquartered?
Raymond James Trust, N.A. is headquartered in Saint Petersburg, FL, United States. It files quarterly FFIEC call reports, as every FDIC-insured bank must.
What is Raymond James Trust, N.A.'s CET1 capital ratio?
Raymond James Trust, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 215.65% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
What is Raymond James Trust, N.A.'s Texas Ratio?
Raymond James Trust, N.A.'s Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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