Saint Louis, MO · Cert 33785 · Stifel Financial Corp.
National charter · OCC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
64
Asset Quality
No peer data yet
Profitability
95
Liquidity
0
Efficiency
97
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Saint Louis, MO · Cert 33785 · Stifel Financial Corp.
National charter · OCC · 3 affiliate banks · 2 branches (6 in holding)
Q2 2026
Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.6% share · #31 of 111 inst. · $0.9B of $141.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.51% | 3.53% | 3.07% | 3.19% | 3.25% | 3.24% | 3.24% | 3.33% | +14 bps | |
| Return on Equity | 62.54% | 63.14% | 50.61% | 49.53% | 47.98% | 46.97% | 44.45% | 48.97% | -56 bps | |
| Net Interest Margin | 4.67% | 4.55% | 3.94% | 4.01% | 4.09% | 4.14% | 4.10% | 4.09% | +8 bps | |
| Efficiency Ratio | 35.32% | 35.70% | 38.05% | 37.27% | 37.15% | 37.18% | 39.19% | 38.93% | +166 bps | |
| Non-Interest Burden | -0.02% | -0.06% | -0.13% | -0.17% | -0.18% | -0.20% | -0.21% | -0.31% | -14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.00% | -1.78% | 3.09% | 4.22% | 2.34% | 2.22% | 0.58% | -1.63% | -585 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | -1.17% | 0.47% | 1.11% | 1.29% | 0.38% | -0.30% | -0.39% | -0.17% | -147 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.38% | 8.39% | 9.00% | 9.14% | 9.42% | 8.83% | 8.83% | 7.52% | -162 bps | |
| Total Risk-Based Capital | 36.76% | 41.82% | 39.62% | 41.14% | 47.80% | 41.12% | 45.22% | 38.50% | -264 bps | |
| Equity / Assets | 6.03% | 5.45% | 6.69% | 7.15% | 7.79% | 7.41% | 7.15% | 5.83% | -132 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Liquid Assets / Assets | 54.35% | 57.49% | 46.68% | 49.55% | 52.47% | 46.27% | 50.10% | 44.47% | -508 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 0.00% | 0.00% | 0.00% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 3.37% | 0.64% | 1.04% | 1.26% | Beats 95% | 2 / 40 | ||
| Return on Equity | 57.71% | 6.25% | 9.97% | 13.41% | Beats 98% | 1 / 40 | ||
| Net Interest Margin | 4.09% | 3.09% | 3.22% | 3.62% | Beats 93% | 3 / 40 | ||
| Efficiency Ratio | 38.93% | 57.08% | 64.37% | 75.86% | Beats 97% | 2 / 40 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | n/a | Not reported for this institution | ||||||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 38.50% | 10.29% | 12.88% | 15.77% | Beats 95% | 2 / 40 | ||
| Total Risk-Based Capital Ratio | 38.50% | 10.64% | 13.30% | 17.01% | Beats 95% | 2 / 40 | ||
| Equity / Assets | 5.83% | 8.59% | 9.46% | 12.46% | Beats 3% | 39 / 40 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 0.00% | 66.12% | 79.48% | 94.60% | 0th pctl | 39 / 40 | ||
| Loans / Assets | 0.00% | 54.69% | 68.52% | 77.46% | 0th pctl | 39 / 40 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||