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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.69% | 3.56% | 3.07% | 3.30% | 3.37% | 3.21% | 3.24% | 3.42% | +12 bps | |
| Return on Equity | 68.46% | 62.02% | 50.61% | 47.61% | 45.11% | 42.23% | 44.45% | 52.58% | +497 bps | |
| Net Interest Margin | 4.62% | 4.37% | 3.94% | 4.15% | 4.26% | 4.30% | 4.10% | 4.09% | -5 bps | |
| Efficiency Ratio | 35.62% | 36.83% | 38.05% | 36.53% | 36.92% | 37.27% | 39.19% | 38.68% | +215 bps | |
| Non-Interest Burden | -0.05% | -0.18% | -0.13% | -0.20% | -0.19% | -0.28% | -0.21% | -0.41% | -21 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 | |