Saint Louis, MO · Cert 57358 · Stifel Financial Corp.
State charter, Fed member · FED · 3 affiliate banks · 1 branch (6 in holding)
Q2 2026
Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 9.6% share · #4 of 111 inst. · $13.7B 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 | 1.45% | 1.51% | 1.50% | 1.46% | 1.50% | 1.49% | 1.49% | 1.38% | -8 bps | |
| Return on Equity | 22.12% | 22.99% | 23.41% | 22.54% | 23.16% | 22.64% | 22.12% | 21.10% | -143 bps | |
| Net Interest Margin | 2.54% | 2.58% | 2.65% | 2.51% | 2.57% | 2.51% | 2.63% | 2.44% | -7 bps | |
| Efficiency Ratio | 23.16% | 21.95% | 20.52% | 21.76% | 22.25% | 24.50% | 30.49% | 29.14% | +737 bps | |
| Non-Interest Burden | 0.56% | 0.53% | 0.51% | 0.50% | 0.53% | 0.57% | 0.75% | 0.67% | +17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.18% | -9.82% | 6.74% | 10.08% | 14.32% | 8.76% | 5.79% | 26.79% | +1,671 bps | |
| Loan Growth (YoY) | 15.31% | -8.47% | 3.08% | 13.46% | 7.68% | 10.33% | 9.87% | 32.17% | +1,871 bps | |
| Deposit Growth (YoY) | 5.39% | -11.01% | 7.32% | 9.87% | 14.53% | 8.57% | 6.02% | 27.40% | +1,753 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.02% | 0.06% | +5 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.41% | 0.42% | 0.44% | 0.40% | 0.42% | 0.41% | 0.38% | 0.36% | -3 bps | |
| Allowance Coverage of NPLs | 541.4x | 371.4x | 381.3x | 184.6x | 184.2x | 5201.2x | 19.7x | 6.3x | -178.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.09% | 7.09% | 7.12% | 7.13% | 7.12% | 7.11% | 7.04% | 7.06% | -7 bps | |
| Total Risk-Based Capital | 14.29% | 13.73% | 13.88% | 12.94% | 12.99% | 12.54% | 12.36% | 11.24% | -170 bps | |
| Equity / Assets | 6.75% | 6.52% | 6.32% | 6.60% | 6.54% | 6.93% | 6.54% | 6.25% | -35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.06% | 70.06% | 64.55% | 70.23% | 64.94% | 71.19% | 66.89% | 72.86% | +263 bps | |
| Liquid Assets / Assets | 27.60% | 27.76% | 32.59% | 27.49% | 29.66% | 26.63% | 29.69% | 25.34% | -215 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 0.32% | 0.29% | 0.29% | n/a | n/a | |