Stifel Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Core deposits to total deposits: 15.29 percentage points lower than in Q1 2026, at 75.70%. Stifel Bank ranks 150th of 192 Missouri banks on loan-to-deposit ratio, in the lower half at 72.86% (Q2 2026). The median for banks in the $10B-100B asset tier is 86.83% on loan-to-deposit ratio. Stifel Bank sits 13.97 points lower, at 72.86% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $558.9M |
| Cash and noninterest-bearing balances to assets | 3.82% |
| Cash and securities | $4.50B |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $781K |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.86% |
| Net loans and leases to deposits | 72.60% |
| Loans and leases to core deposits | 72.86% |
| Core deposits to total deposits | 75.70% |
| Brokered deposits to total deposits | 24.30% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 63.12% | 98.89% | $0 | $0 |
| Q4 2023 | 68.11% | 99.64% | $0 | $0 |
| Q1 2024 | 67.20% | 99.81% | $0 | $0 |
| Q2 2024 | 68.01% | 99.85% | $0 | $0 |
| Q3 2024 | 69.06% | 99.83% | $0 | $0 |
| Q4 2024 | 70.06% | 99.82% | $0 | $0 |
| Q1 2025 | 64.55% | 99.70% | $44.4M | $0 |
| Q2 2025 | 70.23% | 96.33% | $0 | $0 |
| Q3 2025 | 64.94% | 94.38% | $0 | $0 |
| Q4 2025 | 71.19% | 96.07% | $0 | $0 |
| Q1 2026 | 66.89% | 90.99% | $0 | $0 |
| Q2 2026 | 72.86% | 75.70% | $0 | $0 |
Stifel Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Stifel Bank, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Stifel Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57358) · FFIEC NIC profile (RSSD 3076220)