Raymond James Bank
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Data as of · sourced from FFIEC call reports. How we update
Raymond James Bank is an FDIC-insured commercial bank headquartered in Saint Petersburg, FL, established in 1994 (FDIC certificate 33893), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $45.60B, up 7.8% from Q2 2025, the 3rd largest of 81 banks headquartered in Florida. Its CET1 capital ratio was 15.13% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 33893
- Headquarters
- Saint Petersburg, FL
- Established
- 1994
- Total assets, Q2 2026
- $45.60B
- Assets vs Q2 2025
- +7.8%
- CET1 ratio, Q2 2026
- 15.13%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 063191749
- Latest call report
- Q2 2026, FFIEC 031 · Raymond James Bank call report
- Holding company
- RAYMOND JAMES FINANCIAL, INC.
- Asset rank in state
- 3rd of 81 in Florida
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%. The figures come from its call report filed with the FFIEC.
Raymond James Bank ranks as the 3rd largest of the 81 banks based in Florida, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.3% to $45.60B, loans rose 0.7% and deposits fell 0.6%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 30.1% of total loans, ahead of loans for purchasing or carrying securities at 28.8%. Its one office in the FDIC Summary of Deposits is in Saint Petersburg, FL. Judged on its Q2 2026 call report, Raymond James Bank meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 1 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Raymond James Bank's total assets ran between $40.81B (Q2 2024) and $45.74B (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$45.60B total assets against $42.32B; $42.29B total liabilities against $39.26B.
$36.83B net loans and leases against $34.16B; $41.40B total deposits against $38.36B.
$4.40B securities against $5.02B; $3.55B cash and balances due against $2.35B.
$527.9M total interest income against $521.9M; $176.6M total interest expense against $199.5M.
$351.3M net interest income against $322.4M.
$11.9M total noninterest income against $12.6M; $127.7M total noninterest expense against $123.3M.
-$30.1M provision for credit losses against $11.9M.
$197.8M net income against $155.5M.
1.75% return on assets against 1.47%; 3.14% net interest margin against 3.07%.
15.13% CET1 capital ratio against 13.97%; 8.00% tier 1 leverage ratio against 8.09%.
Inside the full Raymond James Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeRaymond James Bank rankings
Its closest position to the top of a national ranking is 52 of 4,196, for total assets; its furthest is 945 of 980, for uninsured deposits.
Metric pages for Raymond James Bank: Efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.27% (Q3 2024) to 1.75% (Q2 2026) and its net interest margin ran from 2.81% (Q3 2024) to 3.27% (Q4 2025).
| 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
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- Deposit market share
- 4.7% of deposits in FL, rank 5 of 186 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.
- Not on file
- Enforcement actions, SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Raymond James Bank headquartered?
It is headquartered in Saint Petersburg, FL, United States.
When was Raymond James Bank founded?
It was established in 1994, per the FDIC institution directory.
Is Raymond James Bank FDIC-insured?
Yes. It 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.
What is Raymond James Bank's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 2.89% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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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