Raymond James Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Risk-weighted assets fell 3.2% from Q1 2026 to Q2 2026, ending at $23.87B against $24.66B. It was the largest change among the key lines on this page. Within Florida, Raymond James Bank is 22nd of 56 on CET1 ratio, 15.13% as of Q2 2026, above the middle of the field. The median for banks in the $10B-100B asset tier is 12.96% on CET1 ratio. Raymond James Bank sits 2.18 points higher, at 15.13% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.13% |
| Tier 1 risk-based capital ratio | 15.13% |
| Total risk-based capital ratio | 16.39% |
| Tier 1 leverage ratio | 8.00% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $3.61B |
| Tier 1 capital | $3.61B |
| Total risk-based capital | $3.91B |
| Total equity capital | $3.31B |
| Risk-weighted assets | $23.87B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.26% |
| Tangible equity to tangible assets | 7.26% |
| Equity capital to average assets | 7.34% |
| Internal capital growth rate | 3.39% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $10.0M |
| Common stock surplus | $805.0M |
| Retained earnings | $2.77B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$275.4M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 13.74% | 13.74% | 15.00% | 7.85% | $24.42B |
| Q4 2023 | 13.90% | 13.90% | 15.16% | 7.93% | $24.28B |
| Q1 2024 | 14.01% | 14.01% | 15.26% | 8.05% | $24.09B |
| Q2 2024 | 14.18% | 14.18% | 15.44% | 8.20% | $23.92B |
| Q3 2024 | 14.40% | 14.40% | 15.65% | 8.14% | $23.62B |
| Q4 2024 | 14.22% | 14.22% | 15.48% | 8.16% | $24.06B |
| Q1 2025 | 14.11% | 14.11% | 15.37% | 8.10% | $24.22B |
| Q2 2025 | 13.97% | 13.97% | 15.23% | 8.09% | $24.52B |
| Q3 2025 | 13.93% | 13.93% | 15.18% | 8.03% | $24.65B |
| Q4 2025 | 13.95% | 13.95% | 15.20% | 7.99% | $24.81B |
| Q1 2026 | 14.52% | 14.52% | 15.78% | 8.12% | $24.66B |
| Q2 2026 | 15.13% | 15.13% | 16.39% | 8.00% | $23.87B |
Raymond James Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Raymond James Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Raymond James Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33893) · FFIEC NIC profile (RSSD 2193616)