Total Assets
$43.4B
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$39.3B
Customer-funded liabilities
Net Loans
$35.7B
Outstanding loan book
Net Income
$623M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
73rd percentile nationally
1.47%
Return on Equity (ROE)
20.40%
Efficiency Ratio
37.33%
What the numbers say about Raymond James Bank
Raymond James Bank is an FDIC-insured institution (Certificate #33893) headquartered in Saint Petersburg, Florida, established in 1994. It holds $43.4B in total assets - 55th of 4,313 FDIC-insured banks, $39.3B in customer deposits, and $35.7B in net loans. Capital-wise, the Tier 1 ratio sits at 13.95%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 3.46%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (90 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, Raymond James Bank sits in the top decile of all FDIC-insured institutions by asset size (55th of 4,313), and within Florida it ranks 3rd of 83 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is BankUnited, at $35.0B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$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.
Top banks in Florida by total assets
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.
| Bank | State | Assets | ROA | Efficiency | Tier 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% |
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.
Other banks in Florida
All Florida banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Raymond James Bank's health grade?▼
Raymond James Bank receives a health grade of A (90/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Raymond James Bank?▼
Raymond James Bank holds $43.4B in total assets and $39.3B in deposits, ranking 55th of 4,313 FDIC-insured banks by asset size. It is headquartered in Saint Petersburg, Florida.
Is my money safe at Raymond James Bank?▼
Yes, deposits at Raymond James Bank (Certificate #33893) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Raymond James Bank's Tier 1 Capital Ratio?▼
Raymond James Bank has a Tier 1 Capital Ratio of 13.95%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Raymond James Bank?▼
Raymond James Bank has a Texas Ratio of 3.46%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Raymond James Bank?▼
Raymond James Bank has an Efficiency Ratio of 37.33%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Raymond James Bank's profile as a depositor or analyst.
- Raymond James Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Raymond James Bank against other Florida banks before moving funds. Florida banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.