PackageTrendsPeer
Letter portraitLegal landscape

Stifel Trust Company National Association

Saint Louis, MO · Cert 33785 · Stifel Financial Corp.

National charter · OCC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the St. Louis, MO-IL area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the St. Louis, MO-IL area (n=40). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer Standing

Trailing 9 quarters, through Q2 2026

Capital

64

Q2 2024Q2 2026Peer median (50)

Asset Quality

No peer data yet

Profitability

95

Q2 2024Q2 2026Peer median (50)

Liquidity

0

Q2 2024Q2 2026Peer median (100)

Efficiency

97

Q2 2024Q2 2026Peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is a stronger peer standing, and the peer median is fixed at 50. Liquidity, Growth: closeness to the peer median, 100 at the median.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-12

Stifel Trust Company National Association

Saint Louis, MO · Cert 33785 · Stifel Financial Corp.

National charter · OCC · 3 affiliate banks · 2 branches (6 in holding)

Q2 2026

$911.0MAssets
$0KLoans
$850.4MDeposits
$53.1MEquity
Deposit mix
100%Interest-bearing $850.4M0%Noninterest $0.0MQ2 2025Q2 2026

NIM

5.06%Q2 ’244.33%Q2 ’254.14%Q2 ’26-15%+2%

Non-interest income vs. expense

2.56%Q2 ’242.48%Q2 ’252.81%Q2 ’26-12373%-87%

Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.6% share · #31 of 111 inst. · $0.9B of $141.7B

1.5% St. Louis (City)
0.0% Baltimore (City)

Executive Summary

  • Earnings: ROA of 3.33%, up 14 bps year over year; NIM at 4.09%.
  • Capital: tier 1 leverage ratio of 7.52%, down 162 bps from a year ago.
  • Funding: loans stand at 0.00% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

3.33%+14 bps YoY

Net Interest Margin (YTD, annualized)

4.09%+8 bps YoY

Efficiency Ratio (YTD, annualized)

38.93%+166 bps YoY

Tier 1 Leverage Ratio

7.52%-162 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets3.19%3.25%3.24%3.24%3.33%+14 bps
Return on Equity49.53%47.98%46.97%44.45%48.97%-56 bps
Net Interest Margin4.01%4.09%4.14%4.10%4.09%+8 bps
Efficiency Ratio37.27%37.15%37.18%39.19%38.93%+166 bps
Non-Interest Burden-0.17%-0.18%-0.20%-0.21%-0.31%-14 bps
Growth
Asset Growth (YoY)4.22%2.34%2.22%0.58%-1.63%-585 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)1.29%0.38%-0.30%-0.39%-0.17%-147 bps
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.14%9.42%8.83%8.83%7.52%-162 bps
Total Risk-Based Capital41.14%47.80%41.12%45.22%38.50%-264 bps
Equity / Assets7.15%7.79%7.41%7.15%5.83%-132 bps
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%0.00%0 bps
Liquid Assets / Assets49.55%52.47%46.27%50.10%44.47%-508 bps
CRE / Total Capitaln/a0.00%0.00%0.00%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-12

Stifel Trust Company National Association

Saint Louis, MO · Cert 33785 · Peer group: banks under $1B in assets in the St. Louis, MO-IL area (n=40) · Stifel Financial Corp.

National charter · OCC · 3 affiliate banks · 2 branches (6 in holding)

Q2 2026

$911.0MAssets
$0KLoans
$850.4MDeposits
$53.1MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 98% of banks under $1B in assets in the St. Louis, MO-IL area (rank 1 of 40).
  • Widest gap: equity / assets trails 97% of banks under $1B in assets in the St. Louis, MO-IL area (rank 39 of 40).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

3.37%

Rank 2 of 40

Net Interest Margin

4.09%

Rank 3 of 40

Efficiency Ratio

38.93%

Rank 2 of 40

Equity / Assets

5.83%

Rank 39 of 40

Non-interest income vs. expense

$29.4M$26.5MINCOMEEXPENSE
Favorable gap of $2.9M · efficiency ratio beats 97% of banks under $1B in assets in the St. Louis, MO-IL area
Bank 38.93%Peer median 64.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets3.37%0.64%1.04%1.26%Beats 95%2 / 40
Return on Equity57.71%6.25%9.97%13.41%Beats 98%1 / 40
Net Interest Margin4.09%3.09%3.22%3.62%Beats 93%3 / 40
Efficiency Ratio38.93%57.08%64.37%75.86%Beats 97%2 / 40
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio38.50%10.29%12.88%15.77%Beats 95%2 / 40
Total Risk-Based Capital Ratio38.50%10.64%13.30%17.01%Beats 95%2 / 40
Equity / Assets5.83%8.59%9.46%12.46%Beats 3%39 / 40
Liquidity & Funding
Loans / Deposits0.00%66.12%79.48%94.60%0th pctl39 / 40
Loans / Assets0.00%54.69%68.52%77.46%0th pctl39 / 40
Brokered Deposits / Depositsn/aNot reported for this institution