Raymond James Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Raymond James Bank is one of the more profitable banks of its size. The Saint Petersburg, Florida bank had $45.6 billion in assets at June 30, 2026, up 7.8% from a year earlier. It returns 24.0% a year on shareholders' equity, about double the median of 11.1% for the 127 banks with $10 billion to $100 billion in assets. It also spends about 35 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 53 cents).
Net income for the quarter rose 27% from a year earlier, to $198 million. Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.28% of loans from 0.49%. Where it has less room is capital: it funds 8.00% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.25%).
As of June 30, 2026, Raymond James Bank reported a CET1 capital ratio of 15.13%, a return on assets of 1.75%, a nonperforming-loan ratio of 0.28% and a Texas ratio of 2.89%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 710 Carillon Pkwy, Saint Petersburg, FL 33716
- County
- Pinellas
- Metro Area
- Tampa-St. Petersburg-Clearwater, FL
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 031
- Established
- May 6, 1994
- Former names
- Raymond James Bank, National Association (2012-2021); Raymond James Bank, FSB (1994-2012)
- Offices
- 1 domestic
- Employees (FTE)
- 396
- Domestic deposits
- $41.40B
- Allowance for credit losses
- $341.2M
- Net charge-offs (YTD)
- $7.2M
- Average total assets
- $45.12B
- Average total loans
- $37.05B
- Average interest-bearing deposits
- $39.55B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- May 6, 1994
- FDIC Cert
- 33893
- Fed RSSD
- 2193616
- SEC CIK
- 720005 → filed by RAYMOND JAMES FINANCIAL, INC.
- Website
- www.raymondjamesbank.com →
- 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 annualizedCapital & 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. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
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.
What the bank charged to earnings that quarter to build its allowance for expected losses.
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.
Inside the full Raymond James Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Raymond James Bank, freeRaymond James Bank rankings
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.
Metric pages for Raymond James Bank: Efficiency 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 | 15.13% | 1.75% | 0.28% | 2.89% | 3.14% |
| Q1 2026 | 14.52% | 1.60% | 0.31% | 3.14% | 3.24% |
| Q4 2025 | 13.95% | 1.60% | 0.34% | 3.48% | 3.27% |
| Q3 2025 | 13.93% | 1.43% | 0.35% | 3.58% | 3.12% |
| Q2 2025 | 13.97% | 1.47% | 0.49% | 4.86% | 3.07% |
| Q1 2025 | 14.11% | 1.35% | 0.51% | 4.98% | 2.94% |
| Q4 2024 | 14.22% | 1.38% | 0.33% | 3.26% | 2.85% |
| Q3 2024 | 14.40% | 1.27% | 0.39% | 3.69% | 2.81% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View the branch →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Raymond James Bank (main office) | Saint Petersburg , FL | 33716 | $41.40B |
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 |
|---|---|---|---|
| May 7, 1994 | Structure Change | Acquired Security Federal Savings Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
What the public regulatory sources show for Raymond James Bank, 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
- 4.7% of deposits in FL, rank 5 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 2,325 applications, 1,712 loans originated, $1.85B originated, across 50 states
- Period: Calendar year 2025. 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
- Not on file: no CFPB complaints matched
- Period: not on file. 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 Bank
What are Raymond James Bank's total assets?
As of the Q2 2026 filing, Raymond James Bank reported total assets of $45.60 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Raymond James Bank headquartered?
Raymond James Bank is headquartered in Saint Petersburg, FL, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Raymond James Bank founded?
Raymond James Bank was established in 1994, per the FDIC institution directory.
Is Raymond James Bank FDIC-insured?
Yes. Raymond James Bank is an FDIC-insured commercial bank (FDIC Certificate #33893). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Raymond James Bank?
Raymond James Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Raymond James Bank's CET1 capital ratio?
Raymond James Bank reported a Common Equity Tier 1 (CET1) capital ratio of 15.13% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Raymond James Bank operate?
Raymond James Bank operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Raymond James Bank's Texas Ratio?
Raymond James Bank's Texas Ratio is 2.89% 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.
What was Raymond James Bank previously called?
The charter now named Raymond James Bank has also operated as Raymond James Bank, National Association (2012-2021), Raymond James Bank, FSB (1994-2012), per FDIC structure-change records.
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