Saint Louis, MO · Cert 57311 · Stifel Financial Corp.
State charter, Fed member · FED · 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 over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
3
Asset Quality
27
Profitability
84
Liquidity
87
Efficiency
95
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 57311 · Stifel Financial Corp.
State charter, Fed member · FED · 3 affiliate banks · 2 branches (6 in holding)
Q2 2026
Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 12.4% share · #2 of 111 inst. · $17.5B 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 | 2.06% | 1.99% | 1.79% | 1.84% | 1.85% | 1.82% | 1.77% | 1.86% | +2 bps | |
| Return on Equity | 28.67% | 27.79% | 25.48% | 25.91% | 26.38% | 26.13% | 26.00% | 27.27% | +136 bps | |
| Net Interest Margin | 3.37% | 3.24% | 3.26% | 3.45% | 3.49% | 3.47% | 3.54% | 3.59% | +14 bps | |
| Efficiency Ratio | 24.60% | 25.35% | 26.63% | 26.99% | 27.32% | 27.28% | 26.82% | 26.89% | -9 bps | |
| Non-Interest Burden | 0.62% | 0.66% | 0.70% | 0.83% | 0.83% | 0.85% | 0.91% | 0.90% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.77% | 16.31% | 8.50% | 2.45% | 4.37% | -0.50% | 2.73% | 6.23% | +378 bps | |
| Loan Growth (YoY) | -4.68% | 18.28% | 13.36% | 7.26% | 4.84% | 3.24% | 2.03% | 6.60% | -65 bps | |
| Deposit Growth (YoY) | -0.84% | 19.65% | 8.07% | 2.61% | 3.05% | -1.05% | 2.76% | 3.96% | +134 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.03% | 1.11% | 1.19% | 1.11% | 1.08% | 1.14% | 1.05% | 1.09% | -2 bps | |
| Net Charge-Offs / Loans | 0.11% | 0.11% | 0.32% | 0.34% | 0.31% | 0.32% | 0.66% | 0.41% | +7 bps | |
| Allowance / Loans | 0.78% | 0.76% | 0.75% | 0.74% | 0.70% | 0.68% | 0.58% | 0.56% | -19 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.7x | 0.6x | 0.7x | 0.6x | 0.6x | 0.6x | 0.5x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.10% | 7.06% | 7.07% | 7.03% | 7.08% | 7.02% | 7.06% | 7.07% | +3 bps | |
| Total Risk-Based Capital | 11.70% | 12.09% | 12.09% | 12.49% | 12.04% | 12.12% | 12.25% | 11.77% | -72 bps | |
| Equity / Assets | 6.94% | 6.99% | 7.04% | 7.26% | 6.75% | 6.88% | 6.77% | 6.84% | -42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.05% | 80.23% | 81.98% | 84.70% | 82.45% | 83.71% | 81.39% | 86.85% | +215 bps | |
| Liquid Assets / Assets | 22.17% | 22.14% | 21.98% | 19.66% | 22.02% | 20.35% | 22.49% | 19.63% | -3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 120.72% | 122.76% | 122.92% | n/a | n/a | |
Saint Louis, MO · Cert 57311 · Peer group: banks over $10B in assets (n=142-144) · Stifel Financial Corp.
State charter, Fed member · FED · 3 affiliate banks · 2 branches (6 in holding)
Q2 2026
Return on Assets
1.87%
Rank 17 of 144
Net Interest Margin
3.59%
Rank 45 of 144
Efficiency Ratio
26.89%
Rank 8 of 144
Equity / Assets
6.84%
Rank 139 of 144
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.87% | 1.00% | 1.26% | 1.54% | Beats 88% | 17 / 144 | ||
| Return on Equity | 27.34% | 8.98% | 11.34% | 14.40% | Beats 96% | 6 / 144 | ||
| Net Interest Margin | 3.59% | 2.82% | 3.31% | 3.68% | Beats 69% | 45 / 144 | ||
| Efficiency Ratio | 26.89% | 49.42% | 56.02% | 62.41% | Beats 95% | 8 / 144 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.09% | 0.48% | 0.73% | 1.07% | Beats 25% | 108 / 142 | ||
| Net Charge-Offs / Loans | 0.20% | 0.05% | 0.11% | 0.22% | Beats 28% | 103 / 142 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.97% | 12.07% | 12.98% | 14.92% | Beats 5% | 137 / 144 | ||
| Total Risk-Based Capital Ratio | 11.77% | 13.39% | 14.14% | 16.25% | Beats 2% | 141 / 144 | ||
| Equity / Assets | 6.84% | 9.69% | 11.39% | 12.96% | Beats 3% | 139 / 144 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 86.85% | 75.72% | 84.92% | 91.56% | 55th pctl | 65 / 143 | ||
| Loans / Assets | 77.59% | 59.83% | 69.07% | 74.80% | 81st pctl | 27 / 144 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||