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Stifel Bank

$10B-$250B Specialty: Other MO FDIC cert 57358

Saint Louis, 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 +27.4% year over year ($13.7B on the books).
  • Delinquency rate 0.06%.
  • Return on assets 1.38%.
  • Efficiency ratio 29.14% vs a 53.67% peer average.
  • Loan-to-deposit ratio 72.60% 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 has 3 strengths but faces 4 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 24.54% below tier average
  • + Delinquency Rate 0.96% below tier average
  • + Nonperforming Asset Ratio 0.69% below tier average

Key Concerns

Areas that may need attention

  • - Cost Spiral: Bottom 0.1% in tier
  • - Credit Quality Pressure: Bottom 3.0% in tier
  • - Non-Interest Income / Assets 0.47% below tier average
  • - Net Interest Margin 1.30% below tier average
Get updates when Stifel Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Total Assets ? $14.6B
+26.8% YoY +20.4% QoQ
-$29.0B $43.6B
-13.8% YoY
$1.6B
+6.4% YoY
$6.3B
+7.7% YoY
20%
Total Loans ? $9.9B
+32.2% YoY +31.9% QoQ
-$18.0B $28.0B
-8.6% YoY
$1.0B
+10.0% YoY
$3.2B
+9.4% YoY
24%
Total Deposits ? $13.7B
+27.4% YoY +21.0% QoQ
-$21.8B $35.4B
-14.0% YoY
$1.3B
+6.1% YoY
$4.9B
+7.3% YoY
27%
Return on Assets ? 1.38%
-5.4% YoY -7.2% QoQ
-0.01% 1.39%
+25.9% YoY
1.46%
+5.9% YoY
1.30%
+12.1% YoY
60%
Net Interest Margin ? 2.62%
+2.0% YoY -1.8% QoQ
-1.30% 3.92%
+8.9% YoY
4.55%
+0.7% YoY
3.95%
+4.9% YoY
Bottom 12.2% in tier
Efficiency Ratio ? 29.14%
+33.9% YoY -4.4% QoQ
-24.54% 53.67%
-1.9% YoY
59.57%
-3.2% YoY
70.05%
+2.5% YoY
Top 5.8% in tier
Delinquency Rate ? 0.06%
+195.5% QoQ
-0.96% 1.01%
-2.8% YoY
0.82%
+12.6% YoY
0.98%
+16.3% YoY
Top 2.2% in tier
Loan-to-Deposit Ratio ? 72.60%
+3.8% YoY +8.9% QoQ
-10.01% 82.61%
+3.1% YoY
80.82%
+1.6% YoY
79.03%
+2.3% YoY
80%
Non-Interest-Bearing Deposit Share ? 3.69%
+7.9% YoY +749.5% QoQ
-16.89% 20.58%
+4.9% YoY
20.71%
-0.5% YoY
21.98%
-0.6% YoY
16%
Nonperforming Asset Ratio ? 0.04%
+223.6% QoQ
-0.69% 0.73%
+5.8% YoY
0.67%
+14.9% YoY
0.69%
+15.8% YoY
Top 3.6% in tier
Tier 1 Capital Ratio ? 10.65%
-12.8% YoY -8.9% QoQ
-4.70% 15.35%
-0.4% YoY
15.38%
-1.1% YoY
17.09%
+0.8% YoY
Bottom 2.9% in tier
Non-Interest Income / Assets ? 0.03%
-2.6% YoY +49.1% QoQ
-0.47% 0.50%
+10.5% YoY
0.58%
+5.8% YoY
0.66%
+5.2% YoY
Bottom 2.9% 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 3.7%
+0.3pp YoY
+3.3pp QoQ
 -17.3pp 21.0% 20.9% 22.2% 13%
Brokered Deposits 24.3%
+20.6pp YoY
+15.3pp QoQ
 +15.1pp 9.2% 7.4% 8.5% 90%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
C&I 17.8%
-40.2pp YoY
-3.5pp QoQ
 +0.6pp 17.2% 12.3% 12.5% 58%
CRE n/a n/a 42.0% 36.8% 41.4% n/a
1-4 Family 11.9%
-5.0pp YoY
-4.1pp QoQ
 -11.2pp 23.1% 31.9% 31.3% 19%
Consumer 0.1%
0.0pp YoY
0.0pp QoQ
 -12.8pp 12.9% 4.1% 5.0% 8%

Capital

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
CET1 Ratio 10.7%
-1.5pp YoY
-1.0pp QoQ
 -4.6pp 15.3% 18.5% 19.7% 2%
Leverage Ratio 7.1%
-0.1pp YoY
0.0pp QoQ
 -3.4pp 10.4% 11.6% 12.6% 1%
Total Capital Ratio 11.2%
-1.7pp YoY
-1.1pp QoQ
 -5.3pp 16.5% 19.6% 20.8% 0%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Full-Time Employees 112
+36 (+47.4%) YoY
+11 (+10.9%) QoQ
 -3,146 3,258 162 482 2%
Assets per Employee ($) $130.6M
-14.0% YoY
+8.6% QoQ
 +$103.5M $27.0M $8.0M $8.8M 95%
Branch Count 1
0 YoY
0 QoQ
 -137 137 10 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
 -0.4pp 0.4% 0.3% 0.4% 4%
Nonaccrual 0.1%
+0.1pp YoY
0.0pp QoQ
 -0.7pp 0.7% 0.8% 1.0% 5%
Allowance Coverage 6.35x
-96.6% YoY
-67.7% QoQ
 +3.54x 2.81x 10.47x 20.23x 97%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.4pp 0.4% 0.3% 0.2% 7%

Profitability

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
ROE 21.1%
-1.4pp YoY
-1.0pp QoQ
 +8.5pp 12.6% 14.3% 11.6% 90%
Cost of Funds (YTD) 2.6%
-0.5pp YoY
+0.1pp QoQ
 +0.7pp 2.0% 1.8% 1.7% 84%
Net Income ($, YTD) $88.7M
+7.8% YoY
— QoQ
 -$208.2M $296.8M $11.3M $40.4M 26%

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 (2)

Cost Spiral

risk
#1 of 12 • Bottom 0.1% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 29.14%
(Tier: 53.67%, National: 70.05%)
better than tier avg
12 of 12 Large banks match · 184 nationally
→ Stable +9 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#3 of 67 • Bottom 3.0% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.06%
(Tier: 1.01%, National: 0.98%)
better than tier avg
67 of 67 Large banks match · 1820 nationally
→ Stable -71 banks QoQ | 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 (4 metrics)

4
Delinquency Rate
credit_quality
Value: 0.06%
Peer Median: 1.01%
#4 of 138 Top 2.2% in $10B-$250B
6
Nonperforming Asset Ratio
credit_quality
Value: 0.04%
Peer Median: 0.73%
#6 of 139 Top 3.6% in $10B-$250B
9
Efficiency Ratio
profitability
Value: 29.14%
Peer Median: 53.67%
#9 of 139 Top 5.8% in $10B-$250B
29
Loan-to-Deposit Ratio
liquidity
Value: 72.60%
Peer Median: 82.61%
#29 of 139 Top 20.1% in $10B-$250B

Top Weaknesses (6 metrics)

136
Non-Interest Income / Assets
revenue_mix
Value: 0.03%
Peer Median: 0.50%
#136 of 139 Bottom 2.9% in $10B-$250B
136
Tier 1 Capital Ratio
capital
Value: 10.65%
Peer Median: 15.35%
#136 of 139 Bottom 2.9% in $10B-$250B
123
Net Interest Margin
profitability
Value: 2.62%
Peer Median: 3.92%
#123 of 139 Bottom 12.2% in $10B-$250B
118
Non-Interest-Bearing Deposit Share
funding
Value: 3.69%
Peer Median: 20.58%
#118 of 139 Bottom 15.8% in $10B-$250B
112
Total Assets
size
Value: $14.62B
Peer Median: $43.60B
#112 of 139 Bottom 20.1% in $10B-$250B
107
Total Loans
size
Value: $9.92B
Peer Median: $27.97B
#107 of 139 Bottom 23.7% in $10B-$250B
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