Raymond James Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 8.39% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 8.39% (RCFAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 15.13% +8.63 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $3.61B | 3,611,664 | RCFAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $23.87B | 23,865,529 | RCFAA223 |
| Recomputed ratio | 15.13% | numerator / denominator | |
| Filed ratio | 15.13% | RCFAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +8.63 pp | $2.06B | capital that could be lost first |
Tier 1 risk-based capital ratio 15.13% +7.13 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $3.61B | 3,611,664 | RCFA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $23.87B | 23,865,529 | RCFAA223 |
| Recomputed ratio | 15.13% | numerator / denominator | |
| Filed ratio | 15.13% | RCFA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +7.13 pp | $1.70B | capital that could be lost first |
Total risk-based capital ratio 16.39% +6.39 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $3.91B | 3,910,705 | RCFA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $23.87B | 23,865,529 | RCFAA223 |
| Recomputed ratio | 16.39% | numerator / denominator | |
| Filed ratio | 16.39% | RCFA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +6.39 pp | $1.52B | capital that could be lost first |
Tier 1 leverage ratio 8.00% +3.00 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $3.61B | 3,611,664 | RCFA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $45.12B | 45,123,284 | RCFAA224 |
| Recomputed ratio | 8.00% | numerator / denominator | |
| Filed ratio | 8.00% | RCFA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +3.00 pp | $1.36B | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 815,000 | 815,000 | 815,000 | 815,000 | 815,000 | 815,000 | RCFAP742 |
| Retained earnings | 2,772,636 | 2,744,829 | 2,628,760 | 2,605,055 | 2,602,596 | 2,597,124 | RCFAKW00 |
| Accumulated other comprehensive income | (275,399) | (274,772) | (277,664) | (314,775) | (356,754) | (407,472) | RCFAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCFAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 3,312,237 | 3,285,057 | 3,166,096 | 3,105,280 | 3,060,842 | 3,004,652 | RCFAP840 |
| Adjustments and deductions from common equity Tier 1 | 299,427 | 295,343 | 294,714 | 328,344 | 365,851 | 412,086 | P859 - P840 |
| Common equity Tier 1 capital | 3,611,664 | 3,580,400 | 3,460,810 | 3,433,624 | 3,426,693 | 3,416,738 | RCFAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCFAP865 |
| Tier 1 capital | 3,611,664 | 3,580,400 | 3,460,810 | 3,433,624 | 3,426,693 | 3,416,738 | RCFA8274 |
| Tier 2 capital | 299,041 | 309,265 | 311,197 | 309,315 | 307,994 | 304,083 | RCFA5311 |
| Allowance includable in Tier 2 capital | 299,041 | 309,265 | 311,197 | 309,315 | 307,994 | 304,083 | RCFA5310 |
| Total capital | 3,910,705 | 3,889,665 | 3,772,007 | 3,742,939 | 3,734,687 | 3,720,821 | RCFA3792 |
| Total risk-weighted assets | 23,865,529 | 24,655,521 | 24,812,068 | 24,649,373 | 24,522,014 | 24,215,376 | RCFAA223 |
| Average total assets for the leverage ratio | 45,123,284 | 44,093,924 | 43,306,293 | 42,748,227 | 42,375,357 | 42,162,180 | RCFAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $3.55B | $77.5M | 2.18% | 0.32% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $4.81B | $838.5M | 17.42% | 3.50% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $11.20B | $5.62B | 50.19% | 23.49% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $98.6M | $147.9M | 150.00% | 0.62% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $14.60B | $13.78B | 94.44% | 57.62% | RC-R Part II, item 4.d, 5.d |
| All other assets | $686.7M | $872.1M | 127.01% | 3.65% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $1.94B | $1.90B | 98.21% | 7.95% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $41.8M | $26.8M | 64.11% | 0.11% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $654.3M | NA | 2.73% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $23.27B | ties to item 31 ($23.27B) |
|---|---|---|
| Risk-weighted assets before deductions | $23.92B | RCFDB704 |
| Less: excess allowance for credit losses | $57.7M | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $23.87B | RCFDG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 15.13% | 15.13% | 16.39% | 8.00% | 12.98% | 12.99% | 14.14% | 10.25% |
| 1Q26 | Risk-based | 14.52% | 14.52% | 15.78% | 8.12% | 13.06% | 13.07% | 14.31% | 10.26% |
| 4Q25 | Risk-based | 13.95% | 13.95% | 15.20% | 7.99% | 13.15% | 13.20% | 14.60% | 10.03% |
| 3Q25 | Risk-based | 13.93% | 13.93% | 15.18% | 8.03% | 13.29% | 13.29% | 14.49% | 10.31% |
| 2Q25 | Risk-based | 13.97% | 13.97% | 15.23% | 8.09% | 13.11% | 13.11% | 14.41% | 10.16% |
| 1Q25 | Risk-based | 14.11% | 14.11% | 15.37% | 8.10% | 13.16% | 13.16% | 14.34% | 10.10% |
| 4Q24 | Risk-based | 14.22% | 14.22% | 15.48% | 8.16% | 13.15% | 13.15% | 14.49% | 10.29% |
| 3Q24 | Risk-based | 14.40% | 14.40% | 15.65% | 8.14% | 13.25% | 13.25% | 14.44% | 10.08% |
| 2Q24 | Risk-based | 14.18% | 14.18% | 15.44% | 8.20% | 13.08% | 13.08% | 14.24% | 10.10% |
| 1Q24 | Risk-based | 14.01% | 14.01% | 15.26% | 8.05% | 12.76% | 12.76% | 13.98% | 9.86% |
| 4Q23 | Risk-based | 13.90% | 13.90% | 15.16% | 7.93% | 12.58% | 12.58% | 13.79% | 9.79% |
| 3Q23 | Risk-based | 13.74% | 13.74% | 15.00% | 7.85% | 12.66% | 12.67% | 13.78% | 9.78% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Raymond James Bank (this bank) | Risk-based | 15.13% | 15.13% | 16.39% | 8.00% | |
| EverBank, N.A. | $46.69B | Risk-based | 13.04% | 13.04% | 13.98% | 9.05% |
| Prosperity Bank | $43.88B | Risk-based | 15.24% | 15.24% | 16.46% | 10.64% |
| Barclays Bank Delaware | $43.45B | Risk-based | 13.69% | 15.70% | 17.04% | 10.76% |
| MidFirst Bank | $42.83B | Risk-based | 18.23% | 18.23% | 19.48% | 9.01% |
| Bank OZK | $41.70B | Risk-based | 11.80% | 12.56% | 14.83% | 13.96% |
| Deutsche Bank Trust Company Americas | $40.53B | Risk-based | 57.52% | 57.52% | 57.71% | 25.79% |
| First National Bank of Pennsylvania | $50.80B | Risk-based | 11.40% | 11.60% | 13.62% | 9.43% |
| Associated Bank, N.A. | $51.76B | Risk-based | 10.23% | 10.23% | 11.98% | 8.40% |
| BOKF, N.A. | $52.98B | Risk-based | 12.29% | 12.29% | 14.17% | 9.29% |
| Atlantic Union Bank | $38.02B | Risk-based | 13.02% | 13.02% | 13.99% | 11.45% |
| Peer 25th percentile | 11.92% | 12.35% | 13.98% | 9.11% | ||
| Peer median | 13.03% | 13.03% | 14.50% | 10.03% | ||
| Peer 75th percentile | 14.85% | 15.59% | 16.90% | 11.27% | ||
| This bank's percentile | 70 | 60 | 60 | 0 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/2193616/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.