FDIC Cert #33893 · Saint Petersburg, Florida · Est. 1994

Raymond James Bank - FDIC Bank Health Profile

One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.

Compiled from official public sources by the publisher.
$43.4B
Total assets
A
Health grade · Excellent
1.47%
Return on assets
13.9%
Tier 1 capital

Data updated July 2026

The verdict

Raymond James Bank earns a PlainBankData health grade of A (90/100), with well-capitalized at 13.95% Tier 1, profitable at 1.47% ROA, efficient (37% cost ratio).

#55
largest of 4,313 FDIC banks by assets
99th
percentile by asset size, nationally
13.95%
Tier 1 ratio - above the 10% well-capitalized line
73rd
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 33893 · FL A · 90/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-LARGE · BOOK-FULL

  • GRADE-A A (90/100)
  • UPPER-Q #779/4307
  • PHOTO-FINISH Crown Bank · NJ
  • TIER1-WELL 13.9% Tier 1
  • TEXAS-CLEAN 3.5% Texas
  • ROA-STRONG 1.47% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Florida: Crown Bank, NJ (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Raymond James Bank

Lowest and highest poles plus nearest scored peers outside Florida, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100American Bank · PA · near90/100American Business Bank · CA …90/100Crown Bank · NJ · near90/100Customers Bank · PA · near90/100Raymond James Bank · FL · th…90/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Raymond James Bank · July 2026

Call Report read for Raymond James Bank in a high-failure state

Raymond James Bank (FDIC Cert #33893) carries a PlainBankData health grade of A at 90/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #779 of 4,307. Tier 1 capital prints at 13.95%, clearing the 10% well-capitalized line. The Texas Ratio is 3.46%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.47%. Balance-sheet scale is $43.4B, 55th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Crown Bank (NJ), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Raymond James Bank

76 FAILURE resolutions in Florida since 2000, heavy vs the state corpus

Raymond James Bank sits in one of the heavier post-2000 FAILURE states (76 resolutions; latest year 2020). The list below is state history from the Failed Bank List, not a claim about Raymond James Bank's current Call Report.

  • FIRST CITY BANK OF FLORIDA FORT WALTON BEACH, FL 2020 → UNITED FIDELITY BANK, FSB
  • FIRST NATIONAL BANK OF CRESTVIEW CRESTVIEW, FL 2015 → FIRST NBC BANK
  • VALLEY BANK FORT LAUDERDALE, FL 2014 → LANDMARK BANK, NATIONAL ASSOCIATION

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Florida banks.

How Raymond James Bank's 90/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10090/100
Raymond James Bank's composite health score
Tier 1 Capital Ratio (13.95%) 35/40
Return on Assets (ROA) (1.47%) 20/25
Texas Ratio (3.46%) 20/20
Efficiency Ratio (37.33%) 15/15

90 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$43.4B

Total balance-sheet footings

Total Deposits

$39.3B

Customer-funded liabilities

Net Loans

$35.7B

Outstanding loan book

Net Income

$623M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.55% 13.95% 15.35%
Basel III capital ratios - Raymond James Bank

Where Raymond James Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Raymond James Bank's score of 90/100 falls in the highlighted band.

Raymond James Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

90 Top 18% higher than 82% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. Raymond James Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Raymond James Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Raymond James Bank's $43.4B falls in the highlighted band.

Capital & credit buffers at Raymond James Bank

Tier 1 capital ratio
Well-capitalized 10%

13.95% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.95%
Texas Ratio
3.46%
Equity Capital
$3.2B

What these ratios mean →

Earnings posture at Raymond James Bank

Return on Assets (ROA)
73rd percentile nationally
1.47%
Return on Equity (ROE)
20.40%
Efficiency Ratio
37.33%

What these mean →

Income & expense at Raymond James Bank

$2.1B
Interest Income
$44M
Non-Interest Income
$505M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Raymond James Bank reports a Texas Ratio of 3.46% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

3.46% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Raymond James Bank on FDIC BankFind →

Top banks in Florida by total assets

Largest banks headquartered in Florida
  1. 1
    SouthState Bank $67.2B

    Winter Haven, FL · Grade A

  2. 2
    EverBank $46.0B

    Jacksonville, FL · Grade B

  3. 3
    Raymond James Bank $43.4B

    Saint Petersburg, FL · Grade A

  4. 4
    BankUnited $35.0B

    Miami Lakes, FL · Grade B

  5. 5
    City National Bank of Florida $28.0B

    Miami, FL · Grade A

Top 5 banks in Florida ranked by total assets · FDIC Call Report Q4 2025.

National size peers: banks closest to Raymond James Bank by assets

Measured strictly by total assets rather than geography, Raymond James Bank's closest national peers include Deutsche Bank Trust Company Americas, Associated Bank, MidFirst Bank, Bank OZK, spanning 6 different states -- a reminder that at this scale, competition and comparison happen nationally, not just within Florida. Averaged across this asset-matched cohort, return on assets runs 1.43% (Raymond James Bank is above that at 1.47%), the efficiency ratio averages 53.30% (Raymond James Bank runs leaner at 37.33%), and Tier 1 capital averages 21.03% (Raymond James Bank holds less at 13.95%). None of this cohort competes on branch count alone -- balance-sheet scale, funding mix, and regulatory capital posture are the metrics that actually separate similarly-sized institutions.

At $43.4B in assets, Raymond James Bank has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.

Closest banks to Raymond James Bank nationally by total assets
  1. 1
    Deutsche Bank Trust Company Americas $43.0B

    New York, NY · Grade A

  2. 2
    Associated Bank $45.1B

    Green Bay, WI · Grade A

  3. 3
    MidFirst Bank $41.4B

    Oklahoma City, OK · Grade B

  4. 4
    Bank OZK $40.8B

    Little Rock, AR · Grade A

  5. 5
    EverBank $46.0B

    Jacksonville, FL · Grade B

  6. 6
    SoFi Bank $46.6B

    Cottonwood Heights, UT · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
Raymond James Bank (this bank) FL $43.4B 1.47% 37.33% 13.95%
Deutsche Bank Trust Company Americas NY $43.0B 1.86% 45.65% 56.62%
Associated Bank, National Association WI $45.1B 1.10% 56.64% 10.52%
MidFirst Bank OK $41.4B 1.19% 57.08% 18.53%
Bank OZK AR $40.8B 1.78% 35.94% 11.72%
EverBank, National Association FL $46.0B 0.72% 56.37% 12.37%
SoFi Bank, National Association UT $46.6B 1.96% 68.09% 16.44%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($43.4B here), outside Florida so the neighborhood is not state containment.

Deutsche Bank Trust Company Americas $43.0B · NY Associated Bank $45.1B · WI MidFirst Bank $41.4B · OK Bank OZK $40.8B · AR

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Raymond James Bank (FDIC Cert #33893) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Raymond James Bank Call Report profile · FDIC Failed Bank List · Florida FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Florida

All Florida banks →
BankAssetsGradeROA
SouthState Bank, National AssociationWinter Haven $67.2B A 1.40%
EverBank, National AssociationJacksonville $46.0B B 0.72%
BankUnited, National AssociationMiami Lakes $35.0B B 0.89%
City National Bank of FloridaMiami $28.0B A 0.96%
Seacoast National BankStuart $20.8B A 0.91%
Amerant Bank, National AssociationCoral Gables $9.8B C 0.64%
Ocean BankMiami $7.4B B 0.92%
Emigrant BankMiami $5.8B A 1.35%