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710 Carillon Parkway
Saint Petersburg, FL 33716

Raymond James Bank is headquartered in Saint Petersburg and is the 3rd largest bank in the state of Florida. It is also the 100th largest bank in the nation. It was established in 1994 and as of March of 2014, it had grown to 165 employees at 1 location. Raymond James Bank has a A+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Raymond James Bank had $97.43 million in non-current loans and owned real-estate with $1.34 billion in equity and loan loss allowances on hand to cover it. This gives Raymond James Bank a Texas Ratio of 7.27% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Raymond James Bank decreased slightly from 9.42% as of March 31, 2013 to 7.27% as of March 31, 2014, resulting in a positive change of 22.85%.This indicates that the balance sheet and financial strength for Raymond James Bank has improved slightly in recent periods.

Deposit Growth


In the past year, Raymond James Bank has increased its total deposits by $1.35 billion, resulting in 14.85% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Raymond James Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Raymond James Bank has $11.8 billion in assets with $1.34 billion in equity, resulting in a capitalization level of 11.36%, which is excellent.

Institution Statistics

FDIC Certificate #33893
Year Established1994
Primary RegulatorOCC
Assets and Liabilities
Assets$11.80 billion
Loans$10.03 billion
Deposits$10.42 billion
Equity Capital$1.20 billion
Loan Loss Allowance$137.94 million
Unbacked Noncurrent Loans$94.46 million
Real Estate Owned$2.97 million
Historic Data - March 2013
Assets$10.33 billion
Equity Capital$1.10 billion
Loan Loss Allowance$150.29 million
Unbacked Noncurrent Loans$94.46 million
Real Estate Owned$4.23 million
Profit Margin - Quarterly
Return on Assets1.3%
Return on Equity12.81%
Interest Income$86.47 million

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Raymond James Bank Savings Account Rates

0.03%$5k-Client Interest Program - Tier 3
0.03%$5k-Raymond James Bank Deposit Program - Tier 3
0.02%$5k-Raymond James Bank with Checkwriting
0.02%$5k-Client Interest Program - Tier 2
0.02%$5k-Raymond James Bank Deposit Program - Tier 2
0.01%$2,500-Statement Savings Account
0.01%$5k-Client Interest Program - Tier 1
0.01%$5k-Raymond James Bank Deposit Program - Tier 1
0.01%-$5kClient Interest Program - Basic
0.01%-$5kRaymond James Bank Deposit Program - Basic

Raymond James Bank Money Market Rates

0.01%$25k-Money Market Non-Sweep Account

Raymond James Bank Checking Account Rates

0.01%$1k-Choice Rate Checking

Raymond James Bank CD Rates

1.50%$1k-60 Month CD
1.15%$1k-48 Month CD
0.80%$1k-36 Month CD
0.35%$1k-24 Month CD
0.20%$1k-18 Month CD
0.15%$1k-12 Month CD
0.05%$1k-6 Month CD
0.02%$1k-90 Day CD

Raymond James Bank Locations
Raymond James Bank, National Association710 Carillon ParkwaySaint Petersburg, FL 33716