Raymond James Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Raymond James Bank of Saint Petersburg, FL against its peer group of 134 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.75% | 1.39% | +0.36% | 81st top |
| ROAE | 23.99% | 12.14% | +11.85% | 94th top |
| Net Interest Margin | 3.14% | 3.82% | -0.68% | 22nd bottom |
| Efficiency Ratio | 34.98% | 54.38% | -19.40% | 93rd top |
| PPNR / Avg Assets | 2.09% | 2.04% | +0.05% | 70th above |
| Yield on Earning Assets | 4.72% | 5.72% | -1.00% | 14th bottom |
| Cost of Funds | 1.70% | 2.03% | -0.33% | 65th above |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.00% | 3.13% | -0.13% | 55th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.47% | 0.98% | -0.51% | 80th top |
| NPA / Total Assets | 0.38% | 0.72% | -0.34% | 69th above |
| NCO / Avg Loans | 0.08% | 0.33% | -0.25% | 68th above |
| ACL / Total Loans | 0.92% | 1.39% | -0.47% | 19th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 196.66% | 235.57% | -38.91% | 69th above |
| Texas Ratio | 4.77% | 8.90% | -4.13% | 68th above |
| Provision / NCO | -386.05% | 127.52% | -513.57% | 1st bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.13% | 15.65% | -0.52% | 79th top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.13% | 15.78% | -0.65% | 78th top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.39% | 16.91% | -0.52% | 78th top |
| Leverage Ratio | 8.00% | 10.52% | -2.52% | 8th bottom |
| Equity / Assets | 7.26% | 11.74% | -4.48% | 4th bottom |
| TCE / Tangible Assets | 7.26% | 9.74% | -2.48% | 7th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 89.79% | 84.54% | +5.25% | 35th below |
| Core Deposit Ratio | 72.08% | 86.72% | -14.64% | 9th bottom |
| Uninsured Deposit Ratio | 8.81% | 37.05% | -28.24% | 92nd top |
| Wholesale Funding Ratio | 1.53% | 5.87% | -4.34% | 79th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.76% | 11.96% | -4.20% | 61st above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.53% | 11.39% | -3.86% | 60th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.92% | 11.36% | -3.44% | 61st above |
See Raymond James Bank's peers by name
The 134 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Raymond James Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Raymond James Bank profile, how to read a UBPR, or how this data updates.