BlastPoint's Banking Scorecard
Raymond James Bank
Large
Specialty: Other
FL
FDIC cert 33893
Saint Petersburg, FL
69
banks in Large tier nationally
5 in FL
View Large leaderboard (FL) →
Raymond James Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 35% in Large
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 3% in Large
- - Credit Risk Growth: Bottom 44% in Large
- - Liquidity Strain: Bottom 47% in Large
- - Non-Interest Income / Assets 0.99% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$43.4B
+5.2% YoY
+1.2% QoQ
|
-$31.5B |
$74.9B
-4.4% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
45% |
| Total Loans ? |
$35.7B
+10.2% YoY
+1.8% QoQ
|
-$10.7B |
$46.4B
-2.1% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
57% |
| Total Deposits ? |
$39.3B
+5.6% YoY
+1.0% QoQ
|
-$21.2B |
$60.5B
-4.5% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
52% |
| Return on Assets ? |
1.47%
+12.6% YoY
+3.3% QoQ
|
+0.28% |
1.19%
+17.8% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
81% |
| Net Interest Margin ? |
3.15%
+9.5% YoY
+1.8% QoQ
|
-0.31% |
3.46%
+13.1% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
32% |
| Efficiency Ratio ? |
37.33%
-4.0% YoY
+0.5% QoQ
|
-17.70% |
55.03%
-2.8% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
Top 10% in tier |
| Delinquency Rate ? |
0.34%
+2.2% YoY
-2.9% QoQ
|
-0.53% |
0.88%
-0.3% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
84% |
| Loan-to-Deposit Ratio ? |
90.84%
+4.4% YoY
+0.8% QoQ
|
+9.13% |
81.72%
+3.9% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
21% |
| Non-Interest-Bearing Deposit Share ? |
2.31%
-15.4% YoY
-8.4% QoQ
|
-17.66% |
19.97%
+0.5% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
18% |
| Nonperforming Asset Ratio ? |
0.28%
+7.9% YoY
-2.5% QoQ
|
-0.27% |
0.55%
+9.0% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
80% |
| Tier 1 Capital Ratio ? |
13.95%
-1.9% YoY
+0.1% QoQ
|
+0.62% |
13.33%
-0.7% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
71% |
| Non-Interest Income / Assets ? |
0.10%
+12.6% YoY
+31.9% QoQ
|
-0.99% |
1.09%
+2.4% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
Bottom 6% in tier |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#7 of 18 · Top 35% in Large
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.34%
(Tier: 0.88%, National: 0.66%)
18 of 18 Large banks match
·
443 nationally
→ Stable
+6 banks QoQ
Concerns (4)
Credit Quality Pressure
risk
#2 of 35 · Bottom 3% in Large
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.34%
(Tier: 0.88%, National: 0.66%)
35 of 35 Large banks match
·
961 nationally
→ Stable
+22 banks QoQ
Credit Risk Growth
risk
#12 of 26 · Bottom 44% in Large
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
26 of 26 Large banks match
·
759 nationally
→ Stable
+24 banks QoQ
Liquidity Strain
risk
#8 of 16 · Bottom 47% in Large
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
90.84%
(Tier: 81.72%, National: 78.04%)
16 of 16 Large banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Non-Interest Income / Assets
metric
Bottom 6%
in Large
Why this stands out
Current:
0.10%
(Tier avg: 1.09%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
90
90th pctile
Efficiency Ratio
Current: 37.33% · Tier avg: 55.03%
84
84th pctile
Delinquency Rate
Current: 0.34% · Tier avg: 0.88%
81
81th pctile
Return on Assets
Current: 1.47% · Tier avg: 1.19%
80
80th pctile
Nonperforming Asset Ratio
Current: 0.28% · Tier avg: 0.55%
71
71th pctile
Tier 1 Capital Ratio
Current: 13.95% · Tier avg: 13.33%
57
57th pctile
Total Loans
Current: $35.7B · Tier avg: $46.4B
52
52th pctile
Total Deposits
Current: $39.3B · Tier avg: $60.5B
45
45th pctile
Total Assets
Current: $43.4B · Tier avg: $74.9B
32
32th pctile
Net Interest Margin
Current: 3.15% · Tier avg: 3.46%
21
21th pctile
Loan-to-Deposit Ratio
Current: 90.84% · Tier avg: 81.72%
18
18th pctile
Non-Interest-Bearing Deposit Share
Current: 2.31% · Tier avg: 19.97%
6
6th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 1.09%
Top Weaknesses
6
6th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 1.09%
18
18th pctile
Non-Interest-Bearing Deposit Share
Current: 2.31% · Tier avg: 19.97%
21
21th pctile
Loan-to-Deposit Ratio
Current: 90.84% · Tier avg: 81.72%
32
32th pctile
Net Interest Margin
Current: 3.15% · Tier avg: 3.46%
45
45th pctile
Total Assets
Current: $43.4B · Tier avg: $74.9B
52
52th pctile
Total Deposits
Current: $39.3B · Tier avg: $60.5B
57
57th pctile
Total Loans
Current: $35.7B · Tier avg: $46.4B
71
71th pctile
Tier 1 Capital Ratio
Current: 13.95% · Tier avg: 13.33%
80
80th pctile
Nonperforming Asset Ratio
Current: 0.28% · Tier avg: 0.55%
81
81th pctile
Return on Assets
Current: 1.47% · Tier avg: 1.19%
84
84th pctile
Delinquency Rate
Current: 0.34% · Tier avg: 0.88%
90
90th pctile
Efficiency Ratio
Current: 37.33% · Tier avg: 55.03%