Raymond James Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 42.01 percentage points in Q2 2026, from 238.66% to 196.66%. It was the largest change from Q1 2026 among the key lines here. Within Florida, Raymond James Bank is 11th of 79 on return on assets, 1.75% as of Q2 2026, above the middle of the field. Raymond James Bank reported 1.75% on return on assets for Q2 2026, 0.46 points above the 1.30% median for banks in the $10B-100B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.13% |
| Tier 1 risk-based capital ratio | 15.13% |
| Total risk-based capital ratio | 16.39% |
| Tier 1 leverage ratio | 8.00% |
| Equity capital to assets | 7.26% |
| Tangible equity to tangible assets | 7.26% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.47% |
| Non-performing assets ratio | 0.38% |
| Net charge-off ratio | 0.08% |
| Texas ratio | 4.77% |
| Allowance for credit losses to loans | 0.92% |
| Reserve coverage of non-performing loans | 196.66% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.75% |
| Return on equity | 23.99% |
| Net interest margin | 3.14% |
| Efficiency ratio | 34.98% |
| Yield on earning assets | 4.72% |
| Cost of funds | 1.70% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.79% |
| Core deposits to total deposits | 72.08% |
| Brokered deposits to total deposits | 26.79% |
| Deposits to assets | 90.77% |
| Securities to assets | 9.65% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.74% | 13.74% | 15.00% | 7.85% | 1.26% |
| Q4 2023 | 13.90% | 13.90% | 15.16% | 7.93% | 1.36% |
| Q1 2024 | 14.01% | 14.01% | 15.26% | 8.05% | 1.17% |
| Q2 2024 | 14.18% | 14.18% | 15.44% | 8.20% | 1.37% |
| Q3 2024 | 14.40% | 14.40% | 15.65% | 8.14% | 1.27% |
| Q4 2024 | 14.22% | 14.22% | 15.48% | 8.16% | 1.38% |
| Q1 2025 | 14.11% | 14.11% | 15.37% | 8.10% | 1.35% |
| Q2 2025 | 13.97% | 13.97% | 15.23% | 8.09% | 1.47% |
| Q3 2025 | 13.93% | 13.93% | 15.18% | 8.03% | 1.43% |
| Q4 2025 | 13.95% | 13.95% | 15.20% | 7.99% | 1.60% |
| Q1 2026 | 14.52% | 14.52% | 15.78% | 8.12% | 1.60% |
| Q2 2026 | 15.13% | 15.13% | 16.39% | 8.00% | 1.75% |
Raymond James Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Raymond James Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)