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Stifel Bank

Saint Louis, MO · Cert 57358 · Stifel Financial Corp.

State charter, Fed member · FED · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B in assets3

Basis

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.

Peer group

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.

Peer standing

Capital

1

Q2 2024Q2 2026peer median (50)

Asset Quality

99

Q2 2024Q2 2026peer median (50)

Profitability

49

Q2 2024Q2 2026peer median (50)

Liquidity

45

Q2 2024Q2 2026peer median

Efficiency

94

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Stifel Bank

Saint Louis, MO · Cert 57358 · Stifel Financial Corp.

State charter, Fed member · FED · 3 affiliate banks · 1 branch (6 in holding)

Q2 2026

$14.6BAssets
$10.0BLoans
$13.7BDeposits
$913.9MEquity
Loan mix
43%RE $1.2B57%C&I $1.6B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
96%Interest-bearing $13.2B4%Noninterest $0.5BQ2 2025Q2 2026

NIM

6.70%Q2 ’245.59%Q2 ’254.90%Q2 ’26-4%-3%

Non-interest income vs. expense

0.64%Q2 ’240.56%Q2 ’250.73%Q2 ’26-17%+34%

Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 9.6% share · #4 of 111 inst. · $13.7B of $141.7B

Executive Summary

  • Earnings: ROA of 1.38%, down 8 bps year over year; NIM at 2.44%.
  • Asset quality: problem loans at 0.06% of loans (+5 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 7.06%, down 7 bps from a year ago.
  • Funding: loans stand at 72.86% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.38%-8 bps YoY

Net Interest Margin (YTD, annualized)

2.44%-7 bps YoY

Efficiency Ratio (YTD, annualized)

29.14%+737 bps YoY

Tier 1 Leverage Ratio

7.06%-7 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.46%1.50%1.49%1.49%1.38%-8 bps
Return on Equity22.54%23.16%22.64%22.12%21.10%-143 bps
Net Interest Margin2.51%2.57%2.51%2.63%2.44%-7 bps
Efficiency Ratio21.76%22.25%24.50%30.49%29.14%+737 bps
Non-Interest Burden0.50%0.53%0.57%0.75%0.67%+17 bps
Growth
Asset Growth (YoY)10.08%14.32%8.76%5.79%26.79%+1,671 bps
Loan Growth (YoY)13.46%7.68%10.33%9.87%32.17%+1,871 bps
Deposit Growth (YoY)9.87%14.53%8.57%6.02%27.40%+1,753 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.02%0.06%+5 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.40%0.42%0.41%0.38%0.36%-3 bps
Allowance Coverage of NPLs184.6x184.2x5201.2x19.7x6.3x-178.3x
Capital
Tier 1 Leverage Ratio7.13%7.12%7.11%7.04%7.06%-7 bps
Total Risk-Based Capital12.94%12.99%12.54%12.36%11.24%-170 bps
Equity / Assets6.60%6.54%6.93%6.54%6.25%-35 bps
Liquidity & Funding
Loans / Deposits70.23%64.94%71.19%66.89%72.86%+263 bps
Liquid Assets / Assets27.49%29.66%26.63%29.69%25.34%-215 bps
CRE / Total Capitaln/a0.32%0.29%0.29%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Stifel Bank

Saint Louis, MO · Cert 57358 · Peer group: banks over $10B in assets (n=142-144) · Stifel Financial Corp.

State charter, Fed member · FED · 3 affiliate banks · 1 branch (6 in holding)

Q2 2026

$14.6BAssets
$10.0BLoans
$13.7BDeposits
$913.9MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks over $10B in assets (rank 5 of 142).
  • Widest gap: total risk-based capital ratio trails 100% of banks over $10B in assets (rank 144 of 144).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.21%

Rank 78 of 144

Net Interest Margin

2.44%

Rank 128 of 144

Efficiency Ratio

29.14%

Rank 9 of 144

Equity / Assets

6.25%

Rank 142 of 144

Non-interest income vs. expense

$8.4M$99.0MINCOMEEXPENSE
Unfavorable gap of $90.6M · efficiency ratio beats 94% of banks over $10B in assets
Bank 29.14%Peer median 56.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.21%1.00%1.26%1.54%Beats 46%78 / 144
Return on Equity19.40%8.98%11.34%14.40%Beats 90%15 / 144
Net Interest Margin2.44%2.82%3.31%3.68%Beats 11%128 / 144
Efficiency Ratio29.14%49.42%56.02%62.41%Beats 94%9 / 144
Asset Quality
Nonperforming Loans / Loans0.06%0.48%0.73%1.07%Beats 98%4 / 142
Net Charge-Offs / Loans0.00%0.05%0.11%0.22%Beats 100%5 / 142
Capital
Tier 1 Capital Ratio10.65%12.07%12.98%14.92%Beats 2%141 / 144
Total Risk-Based Capital Ratio11.24%13.39%14.14%16.25%Beats 0%144 / 144
Equity / Assets6.25%9.69%11.39%12.96%Beats 1%142 / 144
Liquidity & Funding
Loans / Deposits72.86%75.72%84.92%91.56%20th pctl115 / 143
Loans / Assets68.09%59.83%69.07%74.80%43rd pctl82 / 144
Brokered Deposits / Depositsn/aNot reported for this institution