Raymond James Trust, N.A.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Equity capital to average assets climbed 8.58 percentage points in Q2 2026, from 75.68% to 84.26%. It was the largest change from Q1 2026 among the key lines here. Against a median of 19.57% for banks in the < $100M asset tier, Raymond James Trust, N.A. reported 215.65% on CET1 ratio in Q2 2026, 196.08 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 215.65% |
| Tier 1 risk-based capital ratio | 215.65% |
| Total risk-based capital ratio | 215.65% |
| Tier 1 leverage ratio | 84.26% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $71.0M |
| Tier 1 capital | $71.0M |
| Total risk-based capital | $71.0M |
| Total equity capital | $71.0M |
| Risk-weighted assets | $32.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 82.01% |
| Tangible equity to tangible assets | 82.01% |
| Equity capital to average assets | 84.26% |
| Internal capital growth rate | 11.86% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.8M |
| Common stock surplus | $6.8M |
| Retained earnings | $62.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 245.08% | 245.08% | 245.08% | 83.16% | $20.8M |
| Q4 2023 | 257.86% | 257.86% | 257.86% | 87.14% | $21.0M |
| Q1 2024 | 229.01% | 229.01% | 229.01% | 82.00% | $23.2M |
| Q2 2024 | 232.42% | 232.42% | 232.42% | 85.98% | $24.5M |
| Q3 2024 | 240.47% | 240.47% | 240.47% | 87.03% | $25.4M |
| Q4 2024 | 243.14% | 243.14% | 243.14% | 83.47% | $26.2M |
| Q1 2025 | 228.22% | 228.22% | 228.22% | 75.68% | $27.1M |
| Q2 2025 | 240.78% | 240.78% | 240.78% | 80.14% | $27.2M |
| Q3 2025 | 239.74% | 239.74% | 239.74% | 81.23% | $29.2M |
| Q4 2025 | 248.08% | 248.08% | 248.08% | 89.16% | $30.0M |
| Q1 2026 | 221.35% | 221.35% | 221.35% | 75.68% | $31.2M |
| Q2 2026 | 215.65% | 215.65% | 215.65% | 84.26% | $32.9M |
Raymond James Trust, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Raymond James Trust, N.A., freeSource: Call Report Schedule RC-R, 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 Trust, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FFIEC NIC profile (RSSD 2163477)