BlastPoint's Banking Scorecard

Stifel Bank

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

Saint Louis, MO

137 banks in the $10B-$250B peer group nationally 6 in MO

Stifel Bank has 4 strengths but faces 7 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 23.52% below tier average
+ Delinquency Rate 1.00% below tier average
+ Nonperforming Asset Ratio 0.71% below tier average
+ ROA 0.21% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 0.1% in tier
- NIB Deposit Bleed: Bottom 0.1% in tier
- Cost Spiral: Bottom 21.4% in tier
- Capital Thin: Bottom 45.7% in tier
- Credit Risk Growth: Bottom 47.0% in tier
- Non-Interest Income / Assets 0.20% below tier average
- Net Interest Margin 1.10% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$12.1B +5.8% YoY +3.5% QoQ	-$34.8B	$47.0B -1.9% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	Bottom 8.0% in tier
Total Loans ?	$7.5B +9.9% YoY -1.8% QoQ	-$21.8B	$29.4B -0.4% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	Bottom 8.8% in tier
Total Deposits ?	$11.3B +6.0% YoY +4.5% QoQ	-$27.1B	$38.4B -1.6% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	18%
Return on Assets ?	1.49% -0.9% YoY -0.1% QoQ	+0.21%	1.28% +18.7% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	74%
Net Interest Margin ?	2.67% +0.8% YoY -0.1% QoQ	-1.10%	3.77% +5.8% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	Bottom 14.6% in tier
Efficiency Ratio ?	30.49% +48.6% YoY +24.4% QoQ	-23.52%	54.01% -3.7% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	Top 8.8% in tier
Delinquency Rate ?	0.02%	-1.00%	1.02% -3.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	Top 1.5% in tier
Loan-to-Deposit Ratio ?	66.64% +3.7% YoY -6.0% QoQ	-14.15%	80.79% +1.9% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	85%
Non-Interest-Bearing Deposit Share ?	0.43% -89.0% YoY -87.3% QoQ	-19.61%	20.04% +0.2% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	Bottom 11.7% in tier
Nonperforming Asset Ratio ?	0.01%	-0.71%	0.72% +4.2% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	Top 2.2% in tier
Tier 1 Capital Ratio ?	11.69% -10.6% YoY -1.2% QoQ	-3.82%	15.51% -0.4% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	15%
Non-Interest Income / Assets ?	0.02% +68.1% YoY -65.8% QoQ	-0.20%	0.22% +0.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	Bottom 7.3% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (5)

Credit Quality Pressure

risk

#1 of 72 • Bottom 0.1% in tier

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

Why this signature

Delinquency Rate: 0.02%

(Tier: 1.02%, National: 0.95%)

better than tier avg

72 of 72 Large banks match · 1899 nationally

→ Stable +2 banks QoQ

NIB Deposit Bleed

decline

#1 of 4 • Bottom 0.1% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 0.43%

(Tier: 20.04%, National: 22.01%)

worse than tier avg

4 of 4 Large banks match · 238 nationally

↓ Shrinking -31 banks QoQ

Cost Spiral

risk

#4 of 14 • Bottom 21.4% 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: 30.49%

(Tier: 54.01%, National: 66.95%)

better than tier avg

14 of 14 Large banks match · 176 nationally

↑ Growing +82 banks QoQ

Capital Thin

risk

#17 of 35 • Bottom 45.7% 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: 11.69%

(Tier: 15.51%, National: 17.06%)

worse than tier avg

35 of 35 Large banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#32 of 66 • Bottom 47.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

66 of 66 Large banks match · 1464 nationally

→ Stable -10 banks QoQ

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).

Compare against:

Comparing against 137 peers in $10B-$250B

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.02%

Peer Median: 1.02%

#3 of 136 Top 1.5% in $10B-$250B

Nonperforming Asset Ratio

credit_quality

Value: 0.01%

Peer Median: 0.72%

#4 of 137 Top 2.2% in $10B-$250B

Efficiency Ratio

profitability

Value: 30.49%

Peer Median: 54.01%

#13 of 137 Top 8.8% in $10B-$250B

Loan-to-Deposit Ratio

liquidity

Value: 66.64%

Peer Median: 80.79%

#22 of 137 Top 15.3% in $10B-$250B

Top Weaknesses (7 metrics)

128

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.22%

#128 of 137 Bottom 7.3% in $10B-$250B

127

Total Assets

size

Value: $12.14B

Peer Median: $46.96B

#127 of 137 Bottom 8.0% in $10B-$250B

126

Total Loans

size

Value: $7.52B

Peer Median: $29.36B

#126 of 137 Bottom 8.8% in $10B-$250B

122

Non-Interest-Bearing Deposit Share

funding

Value: 0.43%

Peer Median: 20.04%

#122 of 137 Bottom 11.7% in $10B-$250B

118

Net Interest Margin

profitability

Value: 2.67%

Peer Median: 3.77%

#118 of 137 Bottom 14.6% in $10B-$250B

117

Tier 1 Capital Ratio

capital

Value: 11.69%

Peer Median: 15.51%

#117 of 137 Bottom 15.3% in $10B-$250B

113

Total Deposits

size

Value: $11.29B

Peer Median: $38.42B

#113 of 137 Bottom 18.2% in $10B-$250B