Stifel Bank and Trust
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
$19.6BAssets
$15.2BLoans
$17.5BDeposits
$1.3BEquity
Executive Summary
- Strongest standing: return on equity outperforms 96% of banks over $10B in assets (rank 6 of 144).
- Widest gap: total risk-based capital ratio trails 98% of banks over $10B in assets (rank 141 of 144).
- Overall: at or above the peer median on 4 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $170.4M · efficiency ratio beats 95% of banks over $10B in assets | 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 |