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Raymond James Bank

Saint Petersburg, FL · Cert 33893 · Raymond James Financial Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

53

Q2 2024Q2 2026peer median (50)

Asset Quality

88

Q2 2024Q2 2026peer median (50)

Profitability

72

Q2 2024Q2 2026peer median (50)

Liquidity

66

Q2 2024Q2 2026peer median

Efficiency

92

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Raymond James Bank

Saint Petersburg, FL · Cert 33893 · Raymond James Financial Inc.

State charter, Fed member · FED · 1 affiliate bank · 1 branch (3 in holding)

Q2 2026

$45.6BAssets
$37.2BLoans
$41.4BDeposits
$3.3BEquity
Loan mix
72%RE $15.8B27%C&I $5.9B1%Consumer $0.3BQ2 2025Q2 2026
Deposit mix
97%Interest-bearing $40.1B3%Noninterest $1.3BQ2 2025Q2 2026

NIM

5.30%Q2 ’244.87%Q2 ’254.61%Q2 ’26+6%+5%

Non-interest income vs. expense

1.12%Q2 ’241.14%Q2 ’251.14%Q2 ’26-1%+1%

Market Position · Tampa-St. Petersburg-Clearwater, FL · 2026 SOD (annual) · 31.5% share · #1 of 60 inst. · $41.4B of $131.5B

Executive Summary

  • Earnings: ROA of 1.67%, up 24 bps year over year; NIM at 3.12%.
  • Asset quality: problem loans at 0.28% of loans (-20 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 8.00%, down 8 bps from a year ago.
  • Funding: loans stand at 89.79% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.67%+24 bps YoY

Net Interest Margin (YTD, annualized)

3.12%+16 bps YoY

Efficiency Ratio (YTD, annualized)

35.38%-159 bps YoY

Tier 1 Leverage Ratio

8.00%-8 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.42%1.42%1.47%1.58%1.67%+24 bps
Return on Equity19.81%19.81%20.40%21.83%22.98%+317 bps
Net Interest Margin2.97%2.99%3.02%3.21%3.12%+16 bps
Efficiency Ratio36.98%37.16%37.33%35.61%35.38%-159 bps
Non-Interest Burden1.03%1.05%1.07%1.09%1.04%+1 bps
Growth
Asset Growth (YoY)3.69%2.93%5.17%9.14%7.76%+406 bps
Loan Growth (YoY)9.24%10.35%10.05%10.09%7.53%-171 bps
Deposit Growth (YoY)3.81%3.47%5.61%9.78%7.92%+411 bps
Asset Quality
Nonperforming Loans / Loans0.49%0.35%0.34%0.31%0.28%-20 bps
Net Charge-Offs / Loans0.06%0.11%0.09%0.00%0.04%-2 bps
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio8.09%8.03%7.99%8.12%8.00%-8 bps
Total Risk-Based Capital15.23%15.18%15.20%15.78%16.39%+116 bps
Equity / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits90.12%91.10%91.80%88.63%89.79%-33 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Raymond James Bank

Saint Petersburg, FL · Cert 33893 · Peer group: banks over $10B in assets (n=142-144) · Raymond James Financial Inc.

State charter, Fed member · FED · 1 affiliate bank · 1 branch (3 in holding)

Q2 2026

$45.6BAssets
$37.2BLoans
$41.4BDeposits
$3.3BEquity

Executive Summary

  • Strongest standing: return on equity outperforms 94% of banks over $10B in assets (rank 8 of 144).
  • Widest gap: equity / assets trails 94% of banks over $10B in assets (rank 135 of 144).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.64%

Rank 28 of 144

Net Interest Margin

3.12%

Rank 87 of 144

Efficiency Ratio

35.38%

Rank 13 of 144

Equity / Assets

7.26%

Rank 135 of 144

Non-interest income vs. expense

$42.9M$514.0MINCOMEEXPENSE
Unfavorable gap of $471.1M · efficiency ratio beats 92% of banks over $10B in assets
Bank 35.38%Peer median 56.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.64%1.00%1.26%1.54%Beats 81%28 / 144
Return on Equity22.58%8.98%11.34%14.40%Beats 94%8 / 144
Net Interest Margin3.12%2.82%3.31%3.68%Beats 40%87 / 144
Efficiency Ratio35.38%49.42%56.02%62.41%Beats 92%13 / 144
Asset Quality
Nonperforming Loans / Loans0.28%0.48%0.73%1.07%Beats 88%18 / 142
Net Charge-Offs / Loans0.02%0.05%0.11%0.22%Beats 87%19 / 142
Capital
Tier 1 Capital Ratio15.13%12.07%12.98%14.92%Beats 78%32 / 144
Total Risk-Based Capital Ratio16.39%13.39%14.14%16.25%Beats 76%35 / 144
Equity / Assets7.26%9.69%11.39%12.96%Beats 6%135 / 144
Liquidity & Funding
Loans / Deposits89.79%75.72%84.92%91.56%69th pctl44 / 143
Loans / Assets81.50%59.83%69.07%74.80%93rd pctl10 / 144
Brokered Deposits / Depositsn/aNot reported for this institution