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OTHER BORROWINGS | 9 Months Ended
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Jun. 30, 2026
Debt Disclosure [Abstract] |
OTHER BORROWINGS | OTHER BORROWINGS The following table details the components of our other borrowings.
|  | June 30, 2026 |  | September 30, 2025
$ in millions |  | Weighted-average interest rate | Maturity date | Balance |  | Weighted-average interest rate | Maturity date | Balance
FHLB advances: |  |  |  |  |  |  |  |
Floating rate - term |  | 3.89 | % | December 2026 - September 2027 | $ | 300 |  |  | 4.44 | % | December 2025 - December 2026 | $ | 500 |
Fixed rate |  | 4.04 | % | December 2027 - December 2028 | 400 |  |  | 4.10 | % | December 2028 | 200 |
Total FHLB advances |  |  |  | 700 |  |  |  |  | 700 |
Secured and unsecured lines of credit |  | 4.30 | % | Overnight | 250 |  |  | N/A | N/A | — |
Total other borrowings |  |  |  | $ | 950 |  |  |  |  | $ | 700 |
FHLB advances We have entered into advances from the FHLB at our Bank segment, which are secured by certain of our bank loans and available-for-sale securities. The interest rates on our floating-rate advances are based on a Secured Overnight Financing Rate (“SOFR”) and reset daily. We use interest rate swaps to manage the risk of increases in interest rates associated with our floating-rate FHLB advances by converting the balances subject to variable interest rates to a fixed interest rate. See Note 2 of our 2025 Form 10-K and Note 6 of this Form 10-Q for information regarding these interest rate swaps, which have been designated and accounted for as cash flow hedges. See Note 7 of this Form 10-Q for additional information regarding bank loans and available-for-sale securities pledged with the FHLB as security for our FHLB borrowings. Credit Facility RJF and RJ&A are parties to a revolving credit facility agreement (the “Credit Facility”), a committed unsecured line of credit under which both RJ&A or RJF have the ability to borrow. The Credit Facility has a term through September 2030 and provides for maximum borrowings of up to $1 billion. The interest rates on borrowings under the Credit Facility are variable and based on SOFR, as adjusted for RJF’s credit rating. There were no borrowings outstanding on the Credit Facility as of June 30, 2026 or September 30, 2025. There is a facility fee associated with the Credit Facility, which also varies with RJF’s credit rating (the “Variable Rate Facility Fee”). Based upon RJF’s credit rating as of June 30, 2026, the Variable Rate Facility Fee, which is applied to the committed amount, was 0.125% per annum. Other In addition to the Credit Facility, we maintain various uncommitted secured and unsecured lines of credit, which are generally utilized to finance certain fixed income trading instruments or for cash management purposes. As of June 30, 2026, $250 million was outstanding under our secured and unsecured lines of credit compared with no borrowings outstanding under our lines of credit as of September 30, 2025. Borrowings during the period were generally day-to-day. The interest rates for these arrangements are variable and are based on a daily bank quoted rate, which may reference SOFR, the federal funds rate, a lender’s prime rate, the Canadian prime rate or another commercially available rate, as applicable. A portion of our fixed income transactions are cleared through a third-party clearing organization, which provides financing for the purchase of trading instruments to support such transactions. The amount of financing is based on the amount of trading inventory financed, as well as any deposits held at the clearing organization. Amounts outstanding under this financing arrangement are collateralized by a portion of our trading inventory and accrue interest based on market rates. While we had borrowings outstanding as of June 30, 2026, the clearing organization is under no contractual obligation to lend to us under this arrangement. We also have other collateralized financings included in “Collateralized financings” on our Condensed Consolidated Statements of Financial Condition. See Note 7 for information regarding our other collateralized financing arrangements.

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