BlastPoint's Banking Scorecard
Raymond James Bank
$10B-$250B
Specialty: Other
FL
FDIC cert 33893
Saint Petersburg, FL
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 7 in FL.
- Deposits +7.9% year over year ($41.4B on the books).
- Delinquency rate 0.28%.
- Return on assets 1.67%.
- Efficiency ratio 35.38% vs a 53.67% peer average.
- Loan-to-deposit ratio 88.96% vs a 82.61% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
139
banks in the $10B-$250B peer group nationally
7 in FL
View $10B-$250B leaderboard (FL) →
Raymond James Bank has 3 strengths but faces 2 concerns
Key Strengths include matched growth signatures,
metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures,
metrics ranked in the bottom 10%, and values meaningfully below the tier average.
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 18.29% below tier average
- + ROA 0.28% above tier average
- + Delinquency Rate 0.73% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.45% below tier average
- - Net Interest Margin 0.73% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$45.6B
+7.8% YoY
-0.3% QoQ
|
+$2.0B |
$43.6B
-13.8% YoY
|
$4.3B
+7.0% YoY
|
$6.3B
+7.7% YoY
|
76% |
| Total Loans ? |
$36.8B
+7.8% YoY
+0.8% QoQ
|
+$8.9B |
$28.0B
-8.6% YoY
|
$3.0B
+8.2% YoY
|
$3.2B
+9.4% YoY
|
80% |
| Total Deposits ? |
$41.4B
+7.9% YoY
-0.6% QoQ
|
+$6.0B |
$35.4B
-14.0% YoY
|
$3.5B
+7.0% YoY
|
$4.9B
+7.3% YoY
|
78% |
| Return on Assets ? |
1.67%
+17.1% YoY
+5.3% QoQ
|
+0.28% |
1.39%
+25.9% YoY
|
0.62%
-8.3% YoY
|
1.30%
+12.1% YoY
|
81% |
| Net Interest Margin ? |
3.19%
+4.2% YoY
-1.1% QoQ
|
-0.73% |
3.92%
+8.9% YoY
|
3.70%
+0.5% YoY
|
3.95%
+4.9% YoY
|
26% |
| Efficiency Ratio ? |
35.38%
-4.3% YoY
-0.6% QoQ
|
-18.29% |
53.67%
-1.9% YoY
|
199.20%
+161.3% YoY
|
70.05%
+2.5% YoY
|
Top 7.9% in tier |
| Delinquency Rate ? |
0.28%
-42.2% YoY
-9.0% QoQ
|
-0.73% |
1.01%
-2.8% YoY
|
0.61%
-2.0% YoY
|
0.98%
+16.3% YoY
|
Top 12.3% in tier |
| Loan-to-Deposit Ratio ? |
88.96%
-0.1% YoY
+1.4% QoQ
|
+6.35% |
82.61%
+3.1% YoY
|
72.91%
-1.7% YoY
|
79.03%
+2.3% YoY
|
35% |
| Non-Interest-Bearing Deposit Share ? |
3.04%
+25.9% YoY
+12.4% QoQ
|
-17.54% |
20.58%
+4.9% YoY
|
27.35%
-2.5% YoY
|
21.98%
-0.6% YoY
|
15% |
| Nonperforming Asset Ratio ? |
0.23%
-41.8% YoY
-7.9% QoQ
|
-0.50% |
0.73%
+5.8% YoY
|
0.42%
-2.6% YoY
|
0.69%
+15.8% YoY
|
85% |
| Tier 1 Capital Ratio ? |
15.13%
+8.3% YoY
+4.2% QoQ
|
-0.22% |
15.35%
-0.4% YoY
|
19.50%
+8.2% YoY
|
17.09%
+0.8% YoY
|
78% |
| Non-Interest Income / Assets ? |
0.05%
-11.1% YoY
+124.3% QoQ
|
-0.45% |
0.50%
+10.5% YoY
|
1.02%
+6.4% YoY
|
0.66%
+5.2% YoY
|
Bottom 6.5% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
3.0%
+0.6pp YoY +0.3pp QoQ |
-18.0pp | 21.0% | 27.7% | 22.2% | 12% |
| Brokered Deposits |
26.8%
+4.5pp YoY +7.7pp QoQ |
+17.6pp | 9.2% | 8.7% | 8.5% | 92% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
13.8%
-5.3pp YoY -2.5pp QoQ |
-3.4pp | 17.2% | 12.9% | 12.5% | 44% |
| CRE |
11.0%
-0.9pp YoY -0.8pp QoQ |
-31.1pp | 42.0% | 50.6% | 41.4% | 5% |
| 1-4 Family |
30.4%
+1.3pp YoY +0.9pp QoQ |
+7.3pp | 23.1% | 30.7% | 31.3% | 76% |
| Consumer |
1.1%
-0.4pp YoY +0.2pp QoQ |
-11.8pp | 12.9% | 3.7% | 5.0% | 41% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
15.1%
+1.2pp YoY +0.6pp QoQ |
-0.1pp | 15.3% | 19.8% | 19.7% | 78% |
| Leverage Ratio |
8.0%
-0.1pp YoY -0.1pp QoQ |
-2.4pp | 10.4% | 13.9% | 12.6% | 8% |
| Total Capital Ratio |
16.4%
+1.2pp YoY +0.6pp QoQ |
-0.1pp | 16.5% | 21.1% | 20.8% | 76% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
396
+1 (+0.3%) YoY +11 (+2.9%) QoQ |
-2,862 | 3,258 | 295 | 482 | 9% |
| Assets per Employee ($) |
$115.2M
+7.5% YoY -3.1% QoQ |
+$88.1M | $27.0M | $10.3M | $8.8M | 94% |
| Branch Count |
1
0 YoY 0 QoQ |
-137 | 137 | 13 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.4% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.3%
-0.2pp YoY 0.0pp QoQ |
-0.4pp | 0.7% | 0.7% | 1.0% | 16% |
| Allowance Coverage |
3.26x
+34.4% YoY -1.7% QoQ |
+0.45x | 2.81x | 16.62x | 20.23x | 83% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.4pp | 0.4% | 0.2% | 0.2% | 16% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
23.0%
+3.2pp YoY +1.2pp QoQ |
+10.3pp | 12.6% | 9.3% | 11.6% | 94% |
| Cost of Funds (YTD) |
1.5%
-0.4pp YoY +0.1pp QoQ |
-0.4pp | 2.0% | 1.8% | 1.7% | 25% |
| Net Income ($, YTD) |
$373.9M
+25.8% YoY — QoQ |
+$77.1M | $296.8M | $25.2M | $40.4M | 77% |
Get Full Access to Raymond James Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
$250B+
12 performance metrics with tier, state, and national benchmarks
Signature behaviors (strengths & concerns)
Metric and signature rankings across 4,287 FDIC-insured banks
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths are growth signatures this bank matches
(e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches
(e.g. Margin Compression, Credit Quality Pressure).
Strengths (0)
No matched strength signatures this quarter
Concerns (0)
No matched concern signatures this quarter
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.
Strengths are metrics in the top 25%
(75th percentile or higher).
Concerns are metrics in the bottom 25%
(25th percentile or lower).
Top Strengths (8 metrics)
12
Efficiency Ratio
profitability
Value:
35.38%
Peer Median: 53.67%
#12 of 139
Top 7.9% in $10B-$250B
18
Delinquency Rate
credit_quality
Value:
0.28%
Peer Median: 1.01%
#18 of 138
Top 12.3% in $10B-$250B
22
Nonperforming Asset Ratio
credit_quality
Value:
0.23%
Peer Median: 0.73%
#22 of 139
Top 15.1% in $10B-$250B
28
Return on Assets
profitability
Value:
1.67%
Peer Median: 1.39%
#28 of 139
Top 19.4% in $10B-$250B
29
Total Loans
size
Value:
$36.83B
Peer Median: $27.97B
#29 of 139
Top 20.1% in $10B-$250B
31
Total Deposits
size
Value:
$41.40B
Peer Median: $35.42B
#31 of 139
Top 21.6% in $10B-$250B
31
Tier 1 Capital Ratio
capital
Value:
15.13%
Peer Median: 15.35%
#31 of 139
Top 21.6% in $10B-$250B
35
Total Assets
size
Value:
$45.60B
Peer Median: $43.60B
#35 of 139
Top 24.5% in $10B-$250B
Top Weaknesses (2 metrics)
131
Non-Interest Income / Assets
revenue_mix
Value:
0.05%
Peer Median: 0.50%
#131 of 139
Bottom 6.5% in $10B-$250B
119
Non-Interest-Bearing Deposit Share
funding
Value:
3.04%
Peer Median: 20.58%
#119 of 139
Bottom 15.1% in $10B-$250B