# RAYMOND JAMES BANK
SAINT PETERSBURG, FL · FDIC certificate 33893 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *lender to lenders*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $45.60B | |
| Deposits | $41.40B | |
| Loans and leases | $37.17B | |
| Total equity | $3.31B | |
| Loans / deposits | 88.96% (p63 of band) | 85.78% |
| Liquid assets / assets | 17.45% (p27 of band) | |
| Uninsured deposits / deposits | 8.81% (p13 of band) | 38.39% |
| Brokered deposits | 24.32% | |
| Wholesale funding | 25.86% (p91 of band) | |
| FHLB advances / assets | 1.53% | |
| Tier 1 leverage | 8.00% (p13 of band) | 10.17% |
| Unrealized securities loss / equity | -12.45% (p25 of band) | -7.43% |
| AOCI / equity | 0.07% (p86 of band) | |
| ROA (annualized) | 1.67% (p81 of band) | 1.24% |
| Net interest margin | 3.19% (p29 of band) | 3.57% |
| Efficiency ratio | 35.38% (p13 of band) | |
| Noncurrent loans | 0.28% (p15 of band) | 0.66% |
| Net charge-offs (annualized) | 0.03% (p27 of band) | |
| Reserve coverage of noncurrent | 325.76% | |
| Real estate % of loans | 43% | |
| Construction % of loans | 2.00% (p16 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $3.84B (116% of equity) (p91 of band) | |
| Deposits YoY | 7.9% | |
| Employees | 396 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **loans-to-lenders >50% equity** (`conc_warehouse`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 2 | capital falling, uninsured deposits leaving |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 0 |  | capital falling, uninsured deposits leaving |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | uninsured deposits leaving |  |
| 2014-03 | 1 | loans-to-lenders >50% equity | uninsured deposits leaving |
| 2014-06 | 2 | loans exceed deposits, capital falling | loans-to-lenders >50% equity |
| 2014-09 | 2 | liquid assets <10% | capital falling |
| 2014-12 | 1 |  | liquid assets <10% |
| 2015-03 | 3 | liquid assets <10%, loans-to-lenders >50% equity |  |
| 2015-06 | 2 |  | liquid assets <10% |
| 2015-09 | 3 | liquid assets <10% |  |
| 2015-12 | 3 | capital falling | liquid assets <10% |
| 2016-03 | 4 | liquid assets <10% |  |
| 2016-06 | 3 |  | capital falling |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 | capital falling | liquid assets <10% |
| 2017-03 | 2 |  | loans exceed deposits |
| 2017-06 | 2 |  |  |
| 2017-09 | 3 | uninsured deposits leaving |  |
| 2017-12 | 2 |  | uninsured deposits leaving |
| 2018-03 | 1 |  | capital falling |
| 2018-06 | 2 | uninsured deposits leaving |  |
| 2018-09 | 1 |  | uninsured deposits leaving |
| 2018-12 | 2 | capital falling |  |
| 2019-03 | 1 |  | capital falling |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 3 | capital falling, charge-offs p90 |  |
| 2020-09 | 3 | NIM <2.5% | capital falling |
| 2020-12 | 2 |  | charge-offs p90 |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 | capital falling | loans-to-lenders >50% equity |
| 2021-12 | 3 | loans-to-lenders >50% equity |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 3 | AOCI drag >20% of equity, securities losses >30% of equity | NIM <2.5%, capital falling |
| 2022-12 | 4 | uninsured deposits leaving |  |
| 2023-03 | 3 |  | AOCI drag >20% of equity |
| 2023-06 | 5 | brokered >10%, wholesale funding >15% |  |
| 2023-09 | 5 |  |  |
| 2023-12 | 3 |  | securities losses >30% of equity, uninsured deposits leaving |
| 2024-03 | 5 | charge-offs p90, deposits shrinking |  |
| 2024-06 | 3 |  | charge-offs p90, deposits shrinking |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 4 | capital falling |  |
| 2025-09 | 4 |  |  |
| 2025-12 | 4 |  |  |
| 2026-03 | 3 |  | capital falling |
| 2026-06 | 3 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-25 [RJF|Raymond James Financial Inc|Price:175.200|Chg%:+2.850 - TradingKey](https://news.google.com/rss/articles/CBMiY0FVX3lxTE5xdURsNG1nMF9EeHo2VVg2S3QxTGlqVm84clJxNEFPQ21kNGNWN3dndlpnaWdkRUtOZnF2dXlJaVdJaDV0a2ZrMkVXS1ZhM3c2V1E4QXNYWVVzMGNJLVkzZURZVQ?oc=5) · TradingKey
- 2025-12-12 [SouthState led Florida banks in asset growth over the last year - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxPdXFkeUR0ZWhYc2VGdmNPMXZTaFJfaDFsNTUtNEpxczJrMUhzdFYxczFyWWw4a3dmazRWY3NoZWVZU0JTRkNocWJvYnh4dDVJN1lBTDFHQkhOOXpkVU1BVnJfbGNJSWtZejZULTJ5NlpDTld1ZEl5Z0dLNHNwUnNMRGZ1R1hqZWdRMElObkVwa0EtV1ZYN0ZEeE9ZbThfbjdPTl9rbg?oc=5) · The Business Journals
- 2025-10-14 [Raymond James takes strategic majority stake in boutique investment bank - InvestmentNews](https://news.google.com/rss/articles/CBMi0wFBVV95cUxOTmNmbkx4Z2tQNURjMEktRzZleXExcDhBTGVLOC0tbmJtRFRvMDdiSlNMaFhVN3FkNDlkR1cyaEZrdUloSHdqVWZEY1lUd3FRd3ZSR1lrbHV5TmZfejJLUzNzMXhMUGgwRmVSRUpPaDgzU01wZlhzdFlKVnZyOWJYUXhKVGpLVkpNZnVtZDdfeTJONDIza1ljcmR6VVJXMGNVMVg3WVFhZkhfRXRxMFRjWEQ1YWxtWU9iZW5pOVh0clBpcnNvc2hnUmVxaVJfUHlFYk04?oc=5) · InvestmentNews
- 2021-10-21 [What’s behind Raymond James’s $1.1 billion deal for Pittsburgh bank - American Banker](https://news.google.com/rss/articles/CBMiogFBVV95cUxNQ2dTRFEyMlRINm9USlVZTloxR1NtNG5tUG93Zk9HWC1Bc2ZqVFl4N2hBZEZQdmNmSWJzR3J1MWRyWV9uTzN0RV9NRmlZUXhkUlNpYWNrS3N4MnNsb3RCOTFhbnhYc3JqVzl0bWNISGlXTHhNaFZ1U2h0bEJBdEVEcjIzM3BDZW10VG1ZRmtLbWpvcEJ4Z0ZrU2xUekRjLVZyeUE?oc=5) · American Banker
- 2024-07-25 [Raymond James, Ameriprise Execs Unfazed By Wirehouse Cash Sweep Moves - AdvisorHub](https://news.google.com/rss/articles/CBMinAFBVV95cUxQSGR2QVJRTWdhVUFYREc2ZmdPUUlxc0o3SWxOa2lfa01OdlExa28wV3dOOHpDN3MwN2xVRk0xYmR5SzYwSHd5RU15Q2ZWVk11TFVkV1h6NDdzZEpUMFBMbzZVN1hiMmFDbmZNRDRHWFBBRUg5dkRWM3E3LTl1TkNyclJESm5FLURuNFA4YmFEdjRlUG5EMUNUaUtRZTc?oc=5) · AdvisorHub
- 2024-08-28 [Raymond James Facing Two Lawsuits Over Cash Sweep Program - Wealth Management](https://news.google.com/rss/articles/CBMisgFBVV95cUxOV3o4SHBWQ05xRUoyUER4OWNXN3FsdzhnT2syTWxGMmN2M1l6Z2gzVWtEMXNxaVE1Sjc0NWlMY0lBTDZLUDF1Qjc4eDltdW9ZOVpWWmRBdlQ1TnIwemRjRHlTV0c2bmxqZU4xNmlYdkViRlRiMHlpZ1FybEl5Q2kzMGtUd1ZtMzFaRnR2cDhMWVpBWHFSdWFYVGRRR29JZzhQdEFsUnZUel9IYzY1Q1NsUjNB?oc=5) · Wealth Management
- 2022-06-10 [About Raymond James Financial, Inc. (RJF.N) - Reuters](https://news.google.com/rss/articles/CBMiXEFVX3lxTE5oU0xGdDdYdHNOSXRDcF94bFlOVkFXQTdhTU5BUzFkdXNVWnptcU5GM0kyRUxoVWE4NHNxQ3V6TE1LNWk0R1FtYi1mOUY0VTRwTlU4NnktREYxLW5v?oc=5) · Reuters
- 2018-07-18 [Raymond James Bank, St. Petersburg - Florida Trend](https://news.google.com/rss/articles/CBMiggFBVV95cUxNV3hPb2s2aFBrYWY5S19vU3RQejVQbWI3ZmQ3YnZ0Z1FrVWNuRGhNdTNfSUU4OUJlMlYwZHB4bldEcWxpeVBqLUdUMkxYRGotSWVWVURZNW0tYTRQSFNDU1JuSlkxa3ZyTk9OYmVmSWlua2lDbzYxVzE3cklua1ZIOWNR?oc=5) · Florida Trend

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33893 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/37.json (key "33893", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide