BlastPoint's Banking Scorecard

Raymond James Bank

$10B-$250B Specialty: Other FL FDIC cert 33893

Saint Petersburg, FL

135 banks in the $10B-$250B peer group nationally 6 in 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 0.30% above tier average
+ Delinquency Rate 0.71% below tier average

Key Concerns

Areas that may need attention

- Non-Interest Income / Assets 0.20% below tier average
- Net Interest Margin 0.54% below tier average

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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	-$1.6B	$47.4B -2.0% YoY	$4.3B +10.8% YoY	$6.2B +9.0% YoY	73%
Total Loans ?	$36.5B +10.3% YoY +2.3% QoQ	+$6.9B	$29.6B -0.4% YoY	$3.0B +12.4% YoY	$3.2B +10.7% YoY	77%
Total Deposits ?	$41.6B +9.8% YoY +6.0% QoQ	+$2.9B	$38.7B -1.6% YoY	$3.6B +11.7% YoY	$4.8B +8.0% YoY	76%
Return on Assets ?	1.58% +15.9% YoY +7.4% QoQ	+0.30%	1.28% +19.3% YoY	0.83% +61.5% YoY	1.24% +13.1% YoY	80%
Net Interest Margin ?	3.23% +7.5% YoY +2.5% QoQ	-0.54%	3.77% +5.6% YoY	3.75% +4.2% YoY	3.89% +5.7% YoY	33%
Efficiency Ratio ?	35.61% -4.2% YoY -4.6% QoQ	-18.29%	53.90% -4.0% YoY	71.93% -25.2% YoY	66.84% -3.8% YoY	Top 9.6% in tier
Delinquency Rate ?	0.31% -39.0% YoY -8.9% QoQ	-0.71%	1.02% -4.1% YoY	0.63% -5.7% YoY	0.95% +18.8% YoY	84%
Loan-to-Deposit Ratio ?	87.72% +0.5% YoY -3.4% QoQ	+6.84%	80.88% +2.0% YoY	73.79% +1.2% YoY	76.69% +0.9% YoY	39%
Non-Interest-Bearing Deposit Share ?	2.70% +3.0% YoY +17.0% QoQ	-17.12%	19.82% +0.3% YoY	27.22% -2.5% YoY	22.01% -1.1% YoY	18%
Nonperforming Asset Ratio ?	0.25% -37.8% YoY -11.6% QoQ	-0.47%	0.73% +4.0% YoY	0.43% -5.1% YoY	0.66% +19.3% YoY	82%
Tier 1 Capital Ratio ?	14.52% +2.9% YoY +4.1% QoQ	-1.04%	15.56% -0.1% 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%	0.23% +0.9% YoY	0.50% +7.6% YoY	0.32% +4.0% YoY	Bottom 8.1% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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).

Compare against:

Comparing against 135 peers in $10B-$250B

Top Strengths (6 metrics)

Efficiency Ratio

profitability

Value: 35.61%

Peer Median: 53.90%

#14 of 135 Top 9.6% in $10B-$250B

Delinquency Rate

credit_quality

Value: 0.31%

Peer Median: 1.02%

#22 of 134 Top 15.7% in $10B-$250B

Nonperforming Asset Ratio

credit_quality

Value: 0.25%

Peer Median: 0.73%

#25 of 135 Top 17.8% in $10B-$250B

Return on Assets

profitability

Value: 1.58%

Peer Median: 1.28%

#28 of 135 Top 20.0% in $10B-$250B

Total Loans

size

Value: $36.52B

Peer Median: $29.62B

#32 of 135 Top 23.0% in $10B-$250B

Total Deposits

size

Value: $41.63B

Peer Median: $38.75B

#33 of 135 Top 23.7% in $10B-$250B

Top Weaknesses (2 metrics)

125

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.23%

#125 of 135 Bottom 8.1% in $10B-$250B

112

Non-Interest-Bearing Deposit Share

funding

Value: 2.70%

Peer Median: 19.82%

#112 of 135 Bottom 17.8% in $10B-$250B