Raymond James Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Core deposits to total deposits dropped 7.80 percentage points in Q2 2026, from 79.87% to 72.08%. It was the largest change from Q1 2026 among the key lines here. Raymond James Bank ranks 24th of 81 Florida banks on loan-to-deposit ratio, in the upper half at 89.79% (Q2 2026). The median for banks in the $10B-100B asset tier is 86.83% on loan-to-deposit ratio. Raymond James Bank sits 2.95 points higher, at 89.79% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $3.55B |
| Cash and noninterest-bearing balances to assets | 7.79% |
| Cash and securities | $7.96B |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $700.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.53% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.79% |
| Net loans and leases to deposits | 88.96% |
| Loans and leases to core deposits | 91.30% |
| Core deposits to total deposits | 72.08% |
| Brokered deposits to total deposits | 26.79% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 81.65% | 73.37% | $0 | $850.0M |
| Q4 2023 | 82.79% | 70.78% | $0 | $850.0M |
| Q1 2024 | 84.16% | 71.32% | $0 | $850.0M |
| Q2 2024 | 85.64% | 72.43% | $0 | $850.0M |
| Q3 2024 | 85.42% | 72.99% | $0 | $850.0M |
| Q4 2024 | 88.10% | 73.67% | $0 | $850.0M |
| Q1 2025 | 88.38% | 76.30% | $0 | $750.0M |
| Q2 2025 | 90.12% | 77.75% | $0 | $750.0M |
| Q3 2025 | 91.10% | 77.42% | $0 | $700.0M |
| Q4 2025 | 91.80% | 79.62% | $0 | $700.0M |
| Q1 2026 | 88.63% | 79.87% | $0 | $700.0M |
| Q2 2026 | 89.79% | 72.08% | $0 | $700.0M |
Raymond James Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Raymond James Bank, freeSource: Call Report Schedules RC and RC-M, 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)