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Stifel Bank and Trust

$10B-$250B Specialty: Other MO FDIC cert 57311

Saint Louis, MO

2 branches across MO

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 6 in MO.
  • Deposits +4.0% year over year ($17.5B on the books).
  • Delinquency rate 1.09%.
  • Return on assets 1.86%.
  • Efficiency ratio 26.89% vs a 53.67% peer average.
  • Loan-to-deposit ratio 86.37% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 6 in MO
View $10B-$250B leaderboard (MO) →

Stifel Bank and Trust has 2 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 26.78% below tier average
  • + ROA 0.47% above tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 34.3% in tier
  • - Non-Interest-Bearing Deposit Share 20.15% below tier average
  • - Non-Interest Income / Assets 0.45% below tier average
  • - Net Interest Margin 0.39% below tier average
  • - Delinquency Rate 0.08% above tier average
Get updates when Stifel Bank and Trust releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Total Assets ? $19.6B
+6.2% YoY -2.2% QoQ
-$24.0B $43.6B
-13.8% YoY
$1.6B
+6.4% YoY
$6.3B
+7.7% YoY
37%
Total Loans ? $15.1B
+6.8% YoY +1.7% QoQ
-$12.8B $28.0B
-8.6% YoY
$1.0B
+10.0% YoY
$3.2B
+9.4% YoY
47%
Total Deposits ? $17.5B
+4.0% YoY -4.7% QoQ
-$17.9B $35.4B
-14.0% YoY
$1.3B
+6.1% YoY
$4.9B
+7.3% YoY
42%
Return on Assets ? 1.86%
+1.3% YoY +5.0% QoQ
+0.47% 1.39%
+25.9% YoY
1.46%
+5.9% YoY
1.30%
+12.1% YoY
Top 13.7% in tier
Net Interest Margin ? 3.53%
+1.0% YoY +0.5% QoQ
-0.39% 3.92%
+8.9% YoY
4.55%
+0.7% YoY
3.95%
+4.9% YoY
43%
Efficiency Ratio ? 26.89%
-0.3% YoY +0.3% QoQ
-26.78% 53.67%
-1.9% YoY
59.57%
-3.2% YoY
70.05%
+2.5% YoY
Top 5.0% in tier
Delinquency Rate ? 1.09%
-2.1% YoY +3.6% QoQ
+0.08% 1.01%
-2.8% YoY
0.82%
+12.6% YoY
0.98%
+16.3% YoY
25%
Loan-to-Deposit Ratio ? 86.37%
+2.7% YoY +6.7% QoQ
+3.76% 82.61%
+3.1% YoY
80.82%
+1.6% YoY
79.03%
+2.3% YoY
44%
Non-Interest-Bearing Deposit Share ? 0.43%
+9.5% YoY +69.5% QoQ
-20.15% 20.58%
+4.9% YoY
20.71%
-0.5% YoY
21.98%
-0.6% YoY
Bottom 9.4% in tier
Nonperforming Asset Ratio ? 0.84%
-1.6% YoY +7.7% QoQ
+0.11% 0.73%
+5.8% YoY
0.67%
+14.9% YoY
0.69%
+15.8% YoY
22%
Tier 1 Capital Ratio ? 10.97%
-4.4% YoY -4.2% QoQ
-4.38% 15.35%
-0.4% YoY
15.38%
-1.1% YoY
17.09%
+0.8% YoY
Bottom 5.8% in tier
Non-Interest Income / Assets ? 0.04%
-39.2% YoY +274.0% QoQ
-0.45% 0.50%
+10.5% YoY
0.58%
+5.8% YoY
0.66%
+5.2% YoY
Bottom 5.8% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Noninterest-Bearing 0.4%
0.0pp YoY
+0.2pp QoQ
 -20.6pp 21.0% 20.9% 22.2% 7%
Brokered Deposits 2.2%
+2.2pp YoY
+1.2pp QoQ
 -7.0pp 9.2% 7.4% 8.5% 25%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
C&I 14.7%
-8.2pp YoY
+0.9pp QoQ
 -2.5pp 17.2% 12.3% 12.5% 47%
CRE n/a n/a 42.0% 36.8% 41.4% n/a
1-4 Family 57.6%
+1.9pp YoY
+0.9pp QoQ
 +34.5pp 23.1% 31.9% 31.3% 96%
Consumer 0.2%
0.0pp YoY
0.0pp QoQ
 -12.7pp 12.9% 4.1% 5.0% 10%

Capital

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
CET1 Ratio 11.0%
-0.5pp YoY
-0.5pp QoQ
 -4.3pp 15.3% 18.5% 19.7% 5%
Leverage Ratio 7.1%
0.0pp YoY
0.0pp QoQ
 -3.4pp 10.4% 11.6% 12.6% 2%
Total Capital Ratio 11.8%
-0.7pp YoY
-0.5pp QoQ
 -4.7pp 16.5% 19.6% 20.8% 2%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Full-Time Employees 329
-1 (-0.3%) YoY
+14 (+4.4%) QoQ
 -2,929 3,258 162 482 7%
Assets per Employee ($) $59.6M
+6.6% YoY
-6.4% QoQ
 +$32.6M $27.0M $8.0M $8.8M 91%
Branch Count 2
0 YoY
0 QoQ
 -136 137 10 18 15%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Past Due 90+ Days 0.3%
+0.3pp YoY
-0.1pp QoQ
 -0.1pp 0.4% 0.3% 0.4% 79%
Nonaccrual 0.8%
-0.3pp YoY
+0.1pp QoQ
 +0.1pp 0.7% 0.8% 1.0% 64%
Allowance Coverage 0.51x
-23.6% YoY
-7.2% QoQ
 -2.30x 2.81x 10.47x 20.23x 8%
Net Charge-off Rate (YTD) 0.4%
+0.1pp YoY
-0.3pp QoQ
 0.0pp 0.4% 0.3% 0.2% 81%

Profitability

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
ROE 27.3%
+1.4pp YoY
+1.3pp QoQ
 +14.6pp 12.6% 14.3% 11.6% 95%
Cost of Funds (YTD) 1.6%
-0.6pp YoY
0.0pp QoQ
 -0.4pp 2.0% 1.8% 1.7% 28%
Net Income ($, YTD) $183.4M
+4.1% YoY
— QoQ
 -$113.4M $296.8M $11.3M $40.4M 57%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Capital Thin

risk
#13 of 35 • Bottom 34.3% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.97%
(Tier: 15.35%, National: 17.09%)
worse than tier avg
35 of 35 Large banks match · 923 nationally
→ Stable | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 139 peers in $10B-$250B

Top Strengths (2 metrics)

8
Efficiency Ratio
profitability
Value: 26.89%
Peer Median: 53.67%
#8 of 139 Top 5.0% in $10B-$250B
20
Return on Assets
profitability
Value: 1.86%
Peer Median: 1.39%
#20 of 139 Top 13.7% in $10B-$250B

Top Weaknesses (4 metrics)

132
Non-Interest Income / Assets
revenue_mix
Value: 0.04%
Peer Median: 0.50%
#132 of 139 Bottom 5.8% in $10B-$250B
132
Tier 1 Capital Ratio
capital
Value: 10.97%
Peer Median: 15.35%
#132 of 139 Bottom 5.8% in $10B-$250B
127
Non-Interest-Bearing Deposit Share
funding
Value: 0.43%
Peer Median: 20.58%
#127 of 139 Bottom 9.4% in $10B-$250B
110
Nonperforming Asset Ratio
credit_quality
Value: 0.84%
Peer Median: 0.73%
#110 of 139 Bottom 21.6% in $10B-$250B
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