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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

6.42%Q2 ’245.62%Q2 ’255.25%Q2 ’26-4%+4%

Non-interest income vs. expense

0.54%Q2 ’240.58%Q2 ’250.73%Q2 ’26+6%+33%

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 1.32%, down 8 bps year over year; NIM at 2.57%.
  • 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 (quarter, annualized)

1.32%-8 bps YoY

Net Interest Margin (quarter, annualized)

2.57%+11 bps YoY

Efficiency Ratio (quarter, annualized)

27.91%+487 bps YoY

Tier 1 Leverage Ratio

7.06%-7 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.41%1.59%1.43%1.49%1.32%-8 bps
Return on Equity21.76%24.27%21.25%22.12%20.71%-106 bps
Net Interest Margin2.46%2.79%2.60%2.63%2.57%+11 bps
Efficiency Ratio23.04%23.10%30.96%30.49%27.91%+487 bps
Non-Interest Burden0.51%0.60%0.77%0.75%0.68%+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