Bank Comparison
Raymond James Bank vs BankUnited, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
19 · 5
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Raymond James Bank | BankUnited, N.A. |
|---|---|---|
| CET1 Ratio | 14.52% | 12.89% |
| Tier 1 Capital Ratio | 14.52% | 12.89% |
| Total Capital Ratio | 15.78% | 13.73% |
| Tier 1 Leverage Ratio | 8.12% | 9.41% |
| Equity / Assets | 7.18% | 9.03% |
Profitability
| Metric | Raymond James Bank | BankUnited, N.A. |
|---|---|---|
| Return on Assets (ROA) | 1.60% | 0.83% |
| Return on Equity (ROE) | 21.83% | 9.24% |
| Net Interest Margin (NIM) | 3.24% | 3.01% |
| Yield on Earning Assets | 4.67% | 4.98% |
| Cost of Funds | 1.54% | 2.16% |
Asset quality
| Metric | Raymond James Bank | BankUnited, N.A. |
|---|---|---|
| Texas Ratio | 4.35% | 17.75% |
| Non-Performing Loan Ratio | 0.43% | 1.61% |
| Non-Performing Asset Ratio | 0.35% | 1.11% |
| Net Charge-Off Ratio | 0.00% | 0.62% |
| ACL / Loans | 1.03% | 0.86% |
Balance sheet
| Metric | Raymond James Bank | BankUnited, N.A. |
|---|---|---|
| Total Assets | $45,736M | $35,341M |
| Total Deposits | $41,632M | $29,564M |
| Total Loans | $36,898M | $24,171M |
| Total Equity | $3,285M | $3,191M |
| Net Income (quarter) | $176,069K | $73,425K |
Liquidity & funding
| Metric | Raymond James Bank | BankUnited, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 88.63% | 81.76% |
| Core Deposit Ratio | 98.65% | 97.42% |
| Uninsured Deposit Ratio | 8.66% | 52.92% |
Identity
| Metric | Raymond James Bank | BankUnited, N.A. |
|---|---|---|
| Headquarters City | SAINT PETERSBURG | MIAMI LAKES |
| Headquarters State | FL | FL |
| Asset Tier | Regional | Regional |
| Charter Class | 0 | 25028 |
| Regulator | FED | OCC |
| Domestic Branches | 1 | 56 |
| Employees (FTE) | 385 | 1,801 |
| Established | May 6, 1994, midnight | May 21, 2009, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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