Saint Petersburg, FL · Cert 33893 · Raymond James Financial Inc.
State charter, Fed member · FED · 1 affiliate bank · 1 branch (3 in holding)
Q2 2026
Market Position · Tampa-St. Petersburg-Clearwater, FL · 2026 SOD (annual) · 31.5% share · #1 of 60 inst. · $41.4B of $131.5B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.28% | 1.31% | 1.36% | 1.42% | 1.42% | 1.47% | 1.58% | 1.67% | +24 bps | |
| Return on Equity | 18.53% | 18.85% | 19.08% | 19.81% | 19.81% | 20.40% | 21.83% | 22.98% | +317 bps | |
| Net Interest Margin | 2.77% | 2.78% | 2.91% | 2.97% | 2.99% | 3.02% | 3.21% | 3.12% | +16 bps | |
| Efficiency Ratio | 38.64% | 38.90% | 37.16% | 36.98% | 37.16% | 37.33% | 35.61% | 35.38% | -159 bps | |
| Non-Interest Burden | 1.01% | 1.03% | 1.02% | 1.03% | 1.05% | 1.07% | 1.09% | 1.04% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.92% | -1.77% | 1.73% | 3.69% | 2.93% | 5.17% | 9.14% | 7.76% | +406 bps | |
| Loan Growth (YoY) | 2.47% | 3.94% | 6.73% | 9.24% | 10.35% | 10.05% | 10.09% | 7.53% | -171 bps | |
| Deposit Growth (YoY) | -2.05% | -2.32% | 1.63% | 3.81% | 3.47% | 5.61% | 9.78% | 7.92% | +411 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.39% | 0.33% | 0.51% | 0.49% | 0.35% | 0.34% | 0.31% | 0.28% | -20 bps | |
| Net Charge-Offs / Loans | 0.21% | 0.15% | 0.09% | 0.06% | 0.11% | 0.09% | 0.00% | 0.04% | -2 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.14% | 8.16% | 8.10% | 8.09% | 8.03% | 7.99% | 8.12% | 8.00% | -8 bps | |
| Total Risk-Based Capital | 15.65% | 15.48% | 15.37% | 15.23% | 15.18% | 15.20% | 15.78% | 16.39% | +116 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.42% | 88.10% | 88.38% | 90.12% | 91.10% | 91.80% | 88.63% | 89.79% | -33 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |