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Raymond James Bank
Saint Petersburg, FL·FDIC Cert #33893·Charter: STATE·Est. 19940506.0·HC: RAYMOND JAMES FINANCIAL INC
Total Assets
$43.4B
Q4 2025
Return on Assets
1.47%
+0.05%Peer avg: 1.13%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
37.33%
Peer avg: 52.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
65
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.47%+0.05
ROE
20.40%+0.60
Efficiency
37.33%+0.17
Equity/Assets
0.00%+0.00
NPL Ratio
0.34%-0.01
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
90.84%+0.74
Charge-offs
0.09%-0.02
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.2 | 1.3 | 1.3 | 1.3 | 1.4 | 1.4 | 1.4 | 1.5 |
| ROE | 17.5 | 18.8 | 18.5 | 18.9 | 19.1 | 19.8 | 19.8 | 20.4 |
| Efficiency | 38.9 | 38.9 | 38.6 | 38.9 | 37.2 | 37.0 | 37.2 | 37.3 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.5 | 0.4 | 0.4 | 0.3 | 0.5 | 0.5 | 0.4 | 0.3 |
| Charge-offs | 0.4 | 0.2 | 0.2 | 0.2 | 0.1 | 0.1 | 0.1 | 0.1 |
| Loan/Deposit | 83.0 | 84.5 | 84.3 | 87.0 | 87.3 | 89.1 | 90.1 | 90.8 |
Balance Sheet
Total Assets$43.4B
Total Deposits$39.3B
Total Loans$35.7B
Total Equity$3.2B
Profitability
ROA1.47%
ROE20.40%
Efficiency Ratio37.33%
Net Income$623.4M
Risk & Asset Quality
NPL Ratio0.34%
Charge-off Rate0.09%
Loan/Deposit90.84%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans