PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Raymond James Trust, National Association

Saint Petersburg, FL · Cert 33879

FDIC

Q2 2026

$86.6MAssets
$0KLoans
$0KDeposits
$71.0MEquity

Executive Summary

  • Earnings: ROA of 19.16%, up 25 bps year over year; NIM at 2.44%.
  • Capital: tier 1 leverage ratio of 84.26%, up 412 bps from a year ago.

Return on Assets (quarter, annualized)

19.16%+25 bps YoY

Net Interest Margin (quarter, annualized)

2.44%-45 bps YoY

Efficiency Ratio (quarter, annualized)

80.57%+6 bps YoY

Tier 1 Leverage Ratio

84.26%+412 bps YoY

NIM

3.55%Q2 ’242.89%Q2 ’252.44%Q2 ’26-19%-16%

Non-interest income vs. expense

102.62%Q2 ’2497.24%Q2 ’25109.53%Q2 ’26+23%-16%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets23.67%14.18%16.76%18.91%22.18%19.97%20.75%19.16%+25 bps
Return on Equity27.91%16.87%20.14%22.74%26.50%24.32%25.24%23.11%+38 bps
Net Interest Margin3.64%3.24%2.86%2.89%2.94%3.01%2.38%2.44%-45 bps
Efficiency Ratio76.34%85.44%82.06%80.51%77.16%78.23%78.41%80.57%+6 bps
Non-Interest Burden-28.16%-15.08%-17.69%-20.64%-24.62%-25.38%-23.52%-23.97%-333 bps
Growth
Asset Growth (YoY)21.61%23.01%20.42%17.24%15.48%21.33%9.63%10.69%-655 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio87.03%83.47%75.68%80.14%81.23%89.16%75.68%84.26%+412 bps
Total Risk-Based Capital240%243%228%241%240%248%221%216%-2,513 bps
Equity / Assets84.25%83.89%82.51%83.80%83.60%80.72%83.82%82.01%-179 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets79.94%80.66%78.56%80.29%79.57%83.32%79.58%79.27%-103 bps
CRE / Total Capitaln/an/an/an/a0.00%0.00%0.00%n/an/a