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Stifel Bank and Trust

Saint Louis, MO · Cert 57311 · 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
Loan mix
83%RE $10.1B17%C&I $2.1B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
100%Interest-bearing $17.5B0%Noninterest $0.1BQ2 2025Q2 2026

NIM

6.14%Q2 ’245.63%Q2 ’255.17%Q2 ’26+3%+1%

Non-interest income vs. expense

0.93%Q2 ’240.98%Q2 ’251.01%Q2 ’26+33%-8%

Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 12.4% share · #2 of 111 inst. · $17.5B of $141.7B

31.9% St. Louis (City)
0.0% St. Louis

Executive Summary

  • Earnings: ROA of 1.93%, up 6 bps year over year; NIM at 3.60%.
  • Asset quality: problem loans at 1.09% of loans (-2 bps YoY), with net charge-offs at 0.16%.
  • Capital: tier 1 leverage ratio of 7.07%, up 3 bps from a year ago.
  • Funding: loans stand at 86.85% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.93%+6 bps YoY

Net Interest Margin (quarter, annualized)

3.60%+3 bps YoY

Efficiency Ratio (quarter, annualized)

26.97%-37 bps YoY

Tier 1 Leverage Ratio

7.07%+3 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.87%1.92%1.74%1.77%1.93%+6 bps
Return on Equity26.20%27.38%25.52%26.00%28.39%+220 bps
Net Interest Margin3.57%3.45%3.54%3.54%3.60%+3 bps
Efficiency Ratio27.33%27.98%27.18%26.82%26.97%-37 bps
Non-Interest Burden0.95%0.81%0.94%0.91%0.88%-7 bps
Growth
Asset Growth (YoY)2.45%4.37%-0.50%2.73%6.23%+378 bps
Loan Growth (YoY)7.26%4.84%3.24%2.03%6.60%-65 bps
Deposit Growth (YoY)2.61%3.05%-1.05%2.76%3.96%+134 bps
Asset Quality
Nonperforming Loans / Loans1.11%1.08%1.14%1.05%1.09%-2 bps
Net Charge-Offs / Loans0.34%0.29%0.35%0.66%0.16%-18 bps
Allowance / Loans0.74%0.70%0.68%0.58%0.56%-19 bps
Allowance Coverage of NPLs0.7x0.6x0.6x0.6x0.5x-0.2x
Capital
Tier 1 Leverage Ratio7.03%7.08%7.02%7.06%7.07%+3 bps
Total Risk-Based Capital12.49%12.04%12.12%12.25%11.77%-72 bps
Equity / Assets7.26%6.75%6.88%6.77%6.84%-42 bps
Liquidity & Funding
Loans / Deposits84.70%82.45%83.71%81.39%86.85%+215 bps
Liquid Assets / Assets19.66%22.02%20.35%22.49%19.63%-3 bps
CRE / Total Capitaln/a120.72%122.76%122.92%n/an/a