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 19.69%, up 193 bps year over year; NIM at 2.51%.
  • Capital: tier 1 leverage ratio of 84.26%, up 412 bps from a year ago.

Return on Assets (YTD, annualized)

19.69%+193 bps YoY

Net Interest Margin (YTD, annualized)

2.51%-37 bps YoY

Efficiency Ratio (YTD, annualized)

79.51%-175 bps YoY

Tier 1 Leverage Ratio

84.26%+412 bps YoY

NIM

3.55%Q2 ’242.88%Q2 ’252.51%Q2 ’26-19%-13%

Non-interest income vs. expense

103.69%Q2 ’2495.64%Q2 ’25105.63%Q2 ’26+17%-29%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets22.32%20.12%16.76%17.76%19.22%19.34%20.75%19.69%+193 bps
Return on Equity26.09%23.62%20.14%21.30%23.02%23.34%25.24%23.98%+268 bps
Net Interest Margin3.45%3.19%2.86%2.88%2.80%2.92%2.38%2.51%-37 bps
Efficiency Ratio78.39%80.26%82.06%81.27%79.83%79.40%78.41%79.51%-175 bps
Non-Interest Burden-23.97%-20.30%-17.69%-19.17%-20.33%-22.09%-23.52%-24.71%-554 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