BlastPoint's Banking Scorecard
Stifel Bank and Trust
Saint Louis, MO
2 branches across MO
Stifel Bank and Trust has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 27.19% below tier average
- + ROA 0.49% above tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 20.0% in tier
- - Non-Interest-Bearing Deposit Share 19.79% below tier average
- - Non-Interest Income / Assets 0.21% below tier average
- - Net Interest Margin 0.26% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$20.1B
+2.7% YoY
+3.3% QoQ
|
-$26.9B |
$47.0B
-1.9% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
36% |
| Total Loans ? |
$14.9B
+2.2% YoY
+0.3% QoQ
|
-$14.5B |
$29.4B
-0.4% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
45% |
| Total Deposits ? |
$18.4B
+2.8% YoY
+3.0% QoQ
|
-$20.0B |
$38.4B
-1.6% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
42% |
| Return on Assets ? |
1.77%
-0.8% YoY
-2.8% QoQ
|
+0.49% |
1.28%
+18.7% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
Top 12.4% in tier |
| Net Interest Margin ? |
3.51%
+5.9% YoY
+1.2% QoQ
|
-0.26% |
3.77%
+5.8% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
48% |
| Efficiency Ratio ? |
26.82%
+0.7% YoY
-1.7% QoQ
|
-27.19% |
54.01%
-3.7% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
Top 5.8% in tier |
| Delinquency Rate ? |
1.05%
-12.0% YoY
-8.3% QoQ
|
+0.04% |
1.02%
-3.8% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
26% |
| Loan-to-Deposit Ratio ? |
80.92%
-0.5% YoY
-2.7% QoQ
|
+0.13% |
80.79%
+1.9% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
63% |
| Non-Interest-Bearing Deposit Share ? |
0.25%
-15.0% YoY
-16.4% QoQ
|
-19.79% |
20.04%
+0.2% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
Bottom 8.0% in tier |
| Nonperforming Asset Ratio ? |
0.78%
-12.5% YoY
-11.0% QoQ
|
+0.06% |
0.72%
+4.2% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
26% |
| Tier 1 Capital Ratio ? |
11.45%
+3.2% YoY
+2.4% QoQ
|
-4.06% |
15.51%
-0.4% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
Bottom 7.3% in tier |
| Non-Interest Income / Assets ? |
0.01%
-80.3% YoY
-90.8% QoQ
|
-0.21% |
0.22%
+0.3% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
Bottom 4.4% in tier |
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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 (0)
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.