Raymond James Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 6.59 percentage points in Q2 2026, from 110.67% to 104.07%. 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).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $37.17B |
| Net loans and leases | $36.83B |
| Loans held for sale | $121.9M |
| Loans to total assets | 81.50% |
| Loan-to-deposit ratio | 89.79% |
| Net loans to equity capital | 11.12% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 7.72% |
| Multifamily (5+ residential) | 2.97% |
| Commercial and industrial | 13.65% |
| Consumer | 1.08% |
| Credit cards | 0.00% |
| Farm | 0.01% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.91% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 104.07% |
| Construction concentration (Tier 1 capital + allowance) | 1.68% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.23% |
| Interest income on loans | $482.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $31.34B | $38.38B | 6.91% | 30.46% | 16.92% |
| Q4 2023 | $31.53B | $38.08B | 7.07% | 30.47% | 16.72% |
| Q1 2024 | $31.40B | $37.32B | 7.25% | 26.08% | 16.76% |
| Q2 2024 | $31.64B | $36.95B | 7.63% | 25.13% | 17.06% |
| Q3 2024 | $32.11B | $37.59B | 7.57% | 24.87% | 18.15% |
| Q4 2024 | $32.77B | $37.19B | 7.65% | 19.13% | 0.77% |
| Q1 2025 | $33.52B | $37.93B | 7.13% | 19.82% | 1.68% |
| Q2 2025 | $34.57B | $38.36B | 7.47% | 18.90% | 1.52% |
| Q3 2025 | $35.43B | $38.90B | 7.51% | 18.36% | 1.28% |
| Q4 2025 | $36.06B | $39.28B | 7.55% | 16.64% | 1.42% |
| Q1 2026 | $36.90B | $41.63B | 8.14% | 16.08% | 0.89% |
| Q2 2026 | $37.17B | $41.40B | 7.72% | 13.65% | 1.08% |
Raymond James Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Raymond James Bank, freeSource: Call Report Schedule RC-C, 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)