Raymond James Trust, National Association
Saint Petersburg, FL · Cert 33879 · Peer group: banks under $1B in assets (n=629)
FDIC
Q2 2026
$86.6MAssets
$0KLoans
$0KDeposits
$71.0MEquity
Executive Summary
- Strongest standing: return on assets outperforms 98% of banks under $1B in assets (rank 13 of 629).
- Widest gap: net interest margin trails 90% of banks under $1B in assets (rank 569 of 629).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
19.79%
Rank 13 of 629
Net Interest Margin
2.51%
Rank 569 of 629
Efficiency Ratio
79.51%
Rank 477 of 629
Equity / Assets
82.01%
Rank 30 of 629
Non-interest income vs. expense
Favorable gap of $20.8M · efficiency ratio beats 24% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 19.79% | 0.60% | 1.01% | 1.45% | Beats 98% | 13 / 629 | | |
| Return on Equity | 24.14% | 5.38% | 9.30% | 13.28% | Beats 96% | 25 / 629 | | |
| Net Interest Margin | 2.51% | 3.03% | 3.54% | 4.05% | Beats 10% | 569 / 629 | | |
| Efficiency Ratio | 79.51% | 58.35% | 67.79% | 79.08% | Beats 24% | 477 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | n/a | Not reported for this institution |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 216% | 11.24% | 13.84% | 18.77% | Beats 97% | 18 / 629 | | |
| Total Risk-Based Capital Ratio | 216% | 11.58% | 14.43% | 19.66% | Beats 97% | 18 / 629 | | |
| Equity / Assets | 82.01% | 9.09% | 10.65% | 13.80% | Beats 95% | 30 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | n/a | Not reported for this institution |
| Loans / Assets | 0.00% | 53.31% | 67.71% | 78.15% | 0th pctl | 582 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |