TellerScore

Raymond James Bank (FDIC certificate #33893) is based in Saint Petersburg, Florida. Its Q2 2026 call report shows $45.6B in total assets and $41.4B in deposits and 1 office.

Based on its Q2 2026 filing, Raymond James Bank scores 69/100, which we describe as moderate. That is higher than 69% of 132 banks with $10 billion – $100 billion. Among 82 banks headquartered in Florida, it ranks 39th. Its strongest component is problem-loan coverage (94/100; 2.9%), and its lowest is capital cushion (30/100; 8.00%).

TellerScore · Q2 2026

Scorecard

Capital cushion30/100
Tier 1 leverage ratio: 8.00%
Loan quality91/100
Noncurrent loans ÷ total loans: 0.28%
Earnings87/100
Return on assets (annualized): 1.67%
Funding & liquidity71/100
Loans ÷ deposits and uninsured-deposit share: 89.0% · 8.8% uninsured
Problem-loan coverage94/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.89%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (65 → 69), mostly because the earnings component improved by 10 points.

TellerScore
656769Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202466
Q4 202467
Q1 202565
Q2 202565
Q3 202566
Q4 202567
Q1 202669
Q2 202669
Tier 1 leverage ratio
5.00%6.60%8.20%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.20%
Q3 20248.14%
Q4 20248.16%
Q1 20258.10%
Q2 20258.09%
Q3 20258.03%
Q4 20257.99%
Q1 20268.12%
Q2 20268.00%
Noncurrent loans
0.28%0.39%0.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.39%
Q3 20240.39%
Q4 20240.33%
Q1 20250.51%
Q2 20250.49%
Q3 20250.35%
Q4 20250.34%
Q1 20260.31%
Q2 20260.28%
Return on assets
1.28%1.47%1.67%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.28%
Q3 20241.28%
Q4 20241.31%
Q1 20251.36%
Q2 20251.42%
Q3 20251.42%
Q4 20251.47%
Q1 20261.58%
Q2 20261.67%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$45.6B8.00%0.28%1.67%89.0%
Q1 202669$45.7B8.12%0.31%1.58%87.7%
Q4 202567$43.4B7.99%0.34%1.47%90.8%
Q3 202566$42.9B8.03%0.35%1.42%90.1%
Q2 202565$42.3B8.09%0.49%1.42%89.1%
Q1 202565$41.9B8.10%0.51%1.36%87.3%
Q4 202467$41.2B8.16%0.33%1.31%87.0%
Q3 202466$41.6B8.14%0.39%1.28%84.3%
Q2 202466$40.8B8.20%0.39%1.28%84.5%

132 peers · $10 billion – $100 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.00%
12th
Total risk-based capital16.39%
79th
Problem loans0.28%
86th
Net charge-offs0.04%
77th
Return on assets1.67%
81st
Net interest margin3.19%
27th
Efficiency ratio35.4%
88th
Loans to deposits89.0%
37th
Uninsured deposits8.8%
88th
Loan-loss reserves0.92%
24th
Texas ratio2.9%
69th

Similar-size banks in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
EverBank, National AssociationBank Jacksonville, FL54 out of 100, Below average$46.7B9.0%1.42%vs
BankUnited, National AssociationBank Miami Lakes, FL47 out of 100, Below average$34.9B9.4%1.69%vs
City National Bank of FloridaBank Miami, FL64 out of 100, Moderate$29.1B11.4%0.81%vs
SouthState Bank, National AssociationBank Winter Haven, FL68 out of 100, Moderate$68.8B10.3%0.54%vs
Seacoast National BankBank Stuart, FL63 out of 100, Moderate$21.3B9.8%0.66%vs
Amerant Bank, National AssociationBank Coral Gables, FL43 out of 100, Below average$10.3B9.9%2.49%vs

Deposit insurance

Is my money safe at Raymond James Bank?

Yes. Raymond James Bank is an FDIC-insured institution (FDIC certificate #33893). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 8.8% of deposits ($3.6B) are above the $250,000 FDIC insurance limit, below the peer median of 38%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.00%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.39% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Raymond James Bank lists 1 office in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Raymond James Bank reported 2,055 home-loan applications under HMDA (LEI ZXMJHJK466PBZTM5F379): 1,712 originated ($1,848,400,000 total), 114 denied, and 225 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Raymond James Bank
Former names
Raymond James Bank, FSB; Raymond James Bank, National Association
Type
State-chartered bank (Fed member)
FDIC certificate #
33893
RSSD ID
2193616
Primary regulator
FED
Holding company
Raymond James Financial Inc
Established
May 6, 1994
Headquarters
710 Carillon Pkwy, Saint Petersburg, FL 33716
Employees
396

Quick answers

Raymond James Bank: common questions

Is Raymond James Bank FDIC insured?

Yes. Raymond James Bank is an FDIC-insured institution (FDIC certificate #33893). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Raymond James Bank's TellerScore?

69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Raymond James Bank ever failed?

There is no failure record for FDIC certificate #33893 in the FDIC failed bank list.

How many branches does Raymond James Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Saint Petersburg

InstitutionScoreAssetsCapitalProblem loansCompare
1st Street Credit UnionCredit union Sarasota, FL89 out of 100, Very strong$34.5M14.7%0.10%vs
Transport Credit UnionCredit union Tampa, FL85 out of 100, Very strong$35.8M18.6%0.52%vs
Republic Bank & Trust CompanyBank Louisville, KY84 out of 100, Strong$7.1B14.8%0.56%vs
Gallup Federal Credit UnionCredit union Omaha, NE84 out of 100, Strong$16.4M18.1%0.05%vs
Florida Customs Federal Credit UnionCredit union Tampa, FL83 out of 100, Strong$6.8M26.8%0.40%vs
Franklin-Somerset Federal Credit UnionCredit union Madison, ME81 out of 100, Strong$149.3M12.9%0.75%vs