v3.25.2
REGULATORY CAPITAL REQUIREMENTS (Tables)
 9 Months Ended
Jun. 30, 2025
Regulatory Capital Requirement [Abstract]  
Summary of Minimum Requirements Under Regulatory Framework
The following table presents regulatory capital ratio requirements for RJF as of June 30, 2025 and September 30, 2024.
 
Required ratio (1)
Well-capitalized
June 30, 2025September 30, 2024
$ in millionsRatioAmountRatioAmount
RJF:
   
Tier 1 leverage4.0 %
N/A (2)
13.1 %$10,957 12.8 %$10,383 
Tier 1 capital
8.5 %6.0 %22.9 %$10,957 22.8 %$10,383 
CET1 capital
7.0 %
N/A (2)
22.7 %$10,882 22.6 %$10,307 
Total capital10.5 %10.0 %24.2 %$11,575 24.1 %$11,001 

(1)The required ratio for tier 1 capital, CET1 capital, and total capital reflect our minimum risk-based capital requirements plus a capital conservation buffer of 2.5%.
(2)The Fed’s regulations do not establish well-capitalized thresholds for these measures for BHCs.
The following table presents regulatory capital ratio requirements for RJB and TSC as of June 30, 2025 and September 30, 2024. Our banks’ failure to remain well-capitalized could result in certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a material effect on our financial statements.
 
Required ratio (1)
Well-capitalized
June 30, 2025September 30, 2024
$ in millionsRatioAmountRatioAmount
Raymond James Bank:
  
Tier 1 leverage4.0 %5.0 %8.1 %$3,427 8.1 %$3,401 
Tier 1 capital
8.5 %8.0 %14.0 %$3,427 14.4 %$3,401 
CET1 capital
7.0 %6.5 %14.0 %$3,427 14.4 %$3,401 
Total capital10.5 %10.0 %15.2 %$3,735 15.7 %$3,698 
TriState Capital Bank:
  
Tier 1 leverage4.0 %5.0 %7.5 %$1,616 7.5 %$1,505 
Tier 1 capital
8.5 %8.0 %17.0 %$1,616 16.9 %$1,505 
CET1 capital
7.0 %6.5 %17.0 %$1,616 16.9 %$1,505 
Total capital10.5 %10.0 %17.7 %$1,679 17.5 %$1,558 
(1)The required ratio for tier 1 capital, CET1 capital, and total capital reflect our minimum risk-based capital requirements plus a capital conservation buffer of 2.5%.
Raymond James & Associates Inc  
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]  
Net Capital and Risk Adjusted Capital Positions of Certain Businesses and Subsidiaries The following table presents the net capital position of RJ&A.
$ in millionsJune 30, 2025September 30, 2024
Raymond James & Associates, Inc.:
  
(Alternative Method elected)
  
Net capital as a percent of aggregate debit items
25.5 %33.6 %
Net capital$857 $1,019 
Less: required net capital(67)(61)
Excess net capital$790 $958