Pittsburgh, PA · Cert 58457 · Raymond James Financial Inc.
State charter, Fed member · FED · 1 affiliate bank · 2 branches (3 in holding)
Q2 2026
Market Position · Pittsburgh, PA · 2026 SOD (annual) · 10.7% share · #3 of 48 inst. · $22.3B of $209.3B
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 | 0.86% | 0.82% | 0.70% | 0.72% | 0.76% | 0.78% | 0.71% | 0.74% | +2 bps | |
| Return on Equity | 13.24% | 12.57% | 10.20% | 10.42% | 10.96% | 11.19% | 10.10% | 10.62% | +20 bps | |
| Net Interest Margin | 2.09% | 1.98% | 1.96% | 1.95% | 1.96% | 1.90% | 1.93% | 1.89% | -6 bps | |
| Efficiency Ratio | 47.59% | 47.84% | 49.38% | 48.71% | 48.27% | 47.15% | 49.33% | 47.82% | -89 bps | |
| Non-Interest Burden | 0.93% | 0.89% | 0.92% | 0.90% | 0.89% | 0.85% | 0.92% | 0.87% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.28% | 7.81% | 4.88% | 7.59% | 8.04% | 11.30% | 12.26% | 14.57% | +697 bps | |
| Loan Growth (YoY) | 10.68% | 12.69% | 15.16% | 12.50% | 15.45% | 19.88% | 20.71% | 23.53% | +1,104 bps | |
| Deposit Growth (YoY) | 16.33% | 7.90% | 5.56% | 8.22% | 8.46% | 12.08% | 12.62% | 14.99% | +677 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.35% | 0.35% | 0.29% | 0.29% | 0.38% | 0.48% | 0.37% | 0.30% | +1 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.06% | 0.20% | 0.09% | 0.06% | 0.08% | 0.12% | 0.13% | +4 bps | |
| Allowance / Loans | 0.35% | 0.36% | 0.34% | 0.37% | 0.39% | 0.35% | 0.33% | 0.29% | -8 bps | |
| Allowance Coverage of NPLs | 1.0x | 1.0x | 1.2x | 1.3x | 1.0x | 0.7x | 0.9x | 1.0x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.46% | 7.24% | 7.49% | 7.49% | 7.57% | 7.46% | 7.45% | 7.41% | -7 bps | |
| Total Risk-Based Capital | 17.52% | 17.59% | 17.79% | 17.72% | 17.49% | 18.66% | 19.29% | 19.10% | +138 bps | |
| Equity / Assets | 6.73% | 6.66% | 7.02% | 7.08% | 6.98% | 6.91% | 7.09% | 6.97% | -11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.04% | 77.66% | 80.30% | 81.22% | 80.94% | 83.06% | 86.06% | 87.25% | +603 bps | |
| Liquid Assets / Assets | 17.20% | 15.88% | 13.40% | 13.15% | 13.92% | 12.43% | 9.93% | 9.36% | -379 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 209% | 200% | 194.59% | n/a | n/a | |