Bank Comparison
Commerce Bank vs Stifel Bank and Trust
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
18 · 6
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Commerce Bank | Stifel Bank and Trust |
|---|---|---|
| CET1 Ratio | 15.39% | 11.45% |
| Tier 1 Capital Ratio | 15.39% | 11.45% |
| Total Capital Ratio | 16.21% | 12.25% |
| Tier 1 Leverage Ratio | 11.31% | 7.06% |
| Equity / Assets | 10.78% | 6.77% |
Profitability
| Metric | Commerce Bank | Stifel Bank and Trust |
|---|---|---|
| Return on Assets (ROA) | 1.49% | 1.82% |
| Return on Equity (ROE) | 14.97% | 26.00% |
| Net Interest Margin (NIM) | 3.53% | 3.81% |
| Yield on Earning Assets | 4.68% | 5.53% |
| Cost of Funds | 1.29% | 1.68% |
Asset quality
| Metric | Commerce Bank | Stifel Bank and Trust |
|---|---|---|
| Texas Ratio | 3.81% | 10.99% |
| Non-Performing Loan Ratio | 0.56% | 0.70% |
| Non-Performing Asset Ratio | 0.33% | 0.52% |
| Net Charge-Off Ratio | 0.31% | 0.72% |
| ACL / Loans | 0.97% | 0.58% |
Balance sheet
| Metric | Commerce Bank | Stifel Bank and Trust |
|---|---|---|
| Total Assets | $35,540M | $20,062M |
| Total Deposits | $28,638M | $18,396M |
| Total Loans | $20,463M | $14,973M |
| Total Equity | $3,831M | $1,358M |
| Net Income (quarter) | $133,109K | $87,534K |
Liquidity & funding
| Metric | Commerce Bank | Stifel Bank and Trust |
|---|---|---|
| Loan-to-Deposit Ratio | 71.45% | 81.39% |
| Core Deposit Ratio | 97.67% | 100.00% |
| Uninsured Deposit Ratio | 39.04% | 20.91% |
Identity
| Metric | Commerce Bank | Stifel Bank and Trust |
|---|---|---|
| Headquarters City | KANSAS CITY | SAINT LOUIS |
| Headquarters State | MO | MO |
| Asset Tier | Regional | Regional |
| Charter Class | 15985 | 0 |
| Regulator | OCC | FED |
| Domestic Branches | 142 | 2 |
| Employees (FTE) | 4,797 | 315 |
| Established | Jan. 1, 1865, midnight | April 16, 2002, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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