BlastPoint's Banking Scorecard
Raymond James Bank
Saint Petersburg, FL
Raymond James Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 18.40% below tier average
- + ROA 0.30% above tier average
- + Delinquency Rate 0.70% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.20% below tier average
- - Net Interest Margin 0.55% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$45.7B
+9.1% YoY
+5.4% QoQ
|
-$1.2B |
$47.0B
-1.9% YoY
|
$4.3B
+10.8% YoY
|
$6.2B
+9.1% YoY
|
74% |
| Total Loans ? |
$36.5B
+10.3% YoY
+2.3% QoQ
|
+$7.2B |
$29.4B
-0.4% YoY
|
$3.0B
+12.4% YoY
|
$3.2B
+10.8% YoY
|
77% |
| Total Deposits ? |
$41.6B
+9.8% YoY
+6.0% QoQ
|
+$3.2B |
$38.4B
-1.6% YoY
|
$3.6B
+11.7% YoY
|
$4.8B
+8.2% YoY
|
77% |
| Return on Assets ? |
1.58%
+15.9% YoY
+7.4% QoQ
|
+0.30% |
1.28%
+18.7% YoY
|
0.83%
+61.5% YoY
|
1.23%
+13.4% YoY
|
80% |
| Net Interest Margin ? |
3.23%
+7.5% YoY
+2.5% QoQ
|
-0.55% |
3.77%
+5.8% YoY
|
3.75%
+4.2% YoY
|
3.89%
+5.7% YoY
|
33% |
| Efficiency Ratio ? |
35.61%
-4.2% YoY
-4.6% QoQ
|
-18.40% |
54.01%
-3.7% YoY
|
71.93%
-25.2% YoY
|
66.95%
-4.1% YoY
|
Top 9.5% in tier |
| Delinquency Rate ? |
0.31%
-39.0% YoY
-8.9% QoQ
|
-0.70% |
1.02%
-3.8% YoY
|
0.63%
-5.7% YoY
|
0.95%
+18.8% YoY
|
85% |
| Loan-to-Deposit Ratio ? |
87.72%
+0.5% YoY
-3.4% QoQ
|
+6.93% |
80.79%
+1.9% YoY
|
73.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
2.70%
+3.0% YoY
+17.0% QoQ
|
-17.34% |
20.04%
+0.2% YoY
|
27.22%
-2.5% YoY
|
22.01%
-1.2% YoY
|
18% |
| Nonperforming Asset Ratio ? |
0.25%
-37.8% YoY
-11.6% QoQ
|
-0.47% |
0.72%
+4.2% YoY
|
0.43%
-5.1% YoY
|
0.67%
+19.3% YoY
|
82% |
| Tier 1 Capital Ratio ? |
14.52%
+2.9% YoY
+4.1% QoQ
|
-0.99% |
15.51%
-0.4% YoY
|
16.64%
-24.7% YoY
|
17.06%
+0.8% YoY
|
70% |
| Non-Interest Income / Assets ? |
0.02%
-9.8% YoY
-79.1% QoQ
|
-0.20% |
0.22%
+0.3% YoY
|
0.50%
+7.6% YoY
|
0.32%
+4.1% YoY
|
Bottom 8.0% in tier |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.