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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southeast · Florida, the state note

Raymond James Bank

Saint Petersburg, Florida · $45.60B in assets · beside the 6 other Florida banks over $10B

The filing

7.3%
Equity / assets
7th of 7
0.28%
NPA / loans
1st of 7
10.9%
CRE / loans
1st of 7

Raymond James Bank is the third largest of the 7 Florida banks over $10B, with $45.60B in assets at 30 June 2026. Loans are 89.8% of deposits, 4th of 7 against a median of 89.8%, and equity is 7.3% of assets, the lowest in the cohort. Loans grew +7.5% in the year, 5th of 7, and deposits grew 7.9%; the cohort's median loan growth is +7.7%.

Noncurrent loans are 0.28% of the book, the lowest in the cohort against a median of 0.81%; 0.03% is 30 to 89 days past due, and the allowance covers them 3.3 times. Commercial real estate is 10.9% of loans, the lowest in the cohort against a median of 34.7%, and 121% of capital, below the 300% screen, with construction at 2% against the 100% screen.

Return on assets is 1.66%, the highest in the cohort against a median of 0.99%, on an efficiency ratio of 35.4%, the lowest in the cohort. Five years ago it was 1.19%. The question is which of these lines moves first over the next four quarters, and against which peer.

Commercial real estate, share of loansFL banks over $10B · 30 June 2026 · lower is stronger, listed first
median 34.7% RJ Raymond James Bank 10.9% EN Everbank National Association 20.7% BN Bankunited National Association 28.7% AB Amerant Bank National Association 34.7% SN Seacoast National Bank 37.6% SB Southstate Bank N.A. 39.8% CN City National Bank of Florida 44.4%
Loans, year over yearFL banks over $10B · 30 June 2026 · no better direction, largest first
median +7.7% SN Seacoast National Bank +24.0% EN Everbank National Association +12.3% SB Southstate Bank N.A. +7.7% CN City National Bank of Florida +7.7% RJ Raymond James Bank +7.5% BN Bankunited National Association -0.1% AB Amerant Bank National Association -4.5%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Raymond James BankRankCohort median
Total CRE against capital, the 300% screen121%1st of 7218%
Construction against capital, the 100% screen2%1st of 740%
Construction and land development, share of loans0.2%1st of 75.7%
Non-owner-occupied nonfarm nonresidential, share of loans7.7%2nd of 723.2%
Total CRE, the guidance definition, share of loans10.9%1st of 734.7%
CRE growth over 36 months, the third prong+20.1%4th of 7+20.1%
Commercial real estate against capital, the 300% screenFL banks over $10B · 30 June 2026 · lower is stronger, listed first
median 218% RJ Raymond James Bank 121% EN Everbank National Association 169% BN Bankunited National Association 194% AB Amerant Bank National Association 218% SN Seacoast National Bank 230% CN City National Bank of Florida 258% SB Southstate Bank N.A. 281%
CRE growth over 36 months, the guidance's third prongFL banks over $10B · 30 June 2026 · lower is stronger, listed first
median +20.1% AB Amerant Bank National Association -12.6% CN City National Bank of Florida +12.2% EN Everbank National Association +17.9% RJ Raymond James Bank +20.1% BN Bankunited National Association +23.0% SN Seacoast National Bank +25.2% SB Southstate Bank N.A. +80.8%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Southstate Bank N.A.$68.79B1.4%52.7%0.54%0.07%1.1%90.9%14.1%
Everbank National Association$46.69B1.0%51.8%1.42%0.02%0.8%98.0%9.2%
Raymond James Bank$45.60B1.7%35.4%0.28%0.04%0.9%89.8%7.3%
Bankunited National Association$34.86B0.9%57.7%1.69%0.36%0.9%82.3%9.1%
City National Bank of Florida$29.11B1.2%45.1%0.81%0.09%1.1%93.2%10.6%
Seacoast National Bank$21.34B0.9%59.0%0.66%0.10%1.4%78.3%14.2%
Amerant Bank National Association$10.27B0.9%65.1%2.49%0.25%1.2%82.1%9.6%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Raymond James BankCohort median
20212026Change20212026Change
Loans$24.22B$37.17B+53%$22.89B$23.93B+5%
Deposits$30.53B$41.40B+36%$27.00B$29.09B+8%
NPA / loans0.18%0.28%+0.11 pts0.71%0.81%+0.09 pts
Efficiency37.4%35.4%-2.0 pts55.1%52.7%-2.4 pts
ROA1.19%1.66%+0.46 pts1.19%0.99%-0.20 pts

This read was prepared for Raymond James Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Raymond James Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort FL banks over $10B
Institution www.raymondjamesbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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