Stifel Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 7.19 percentage points higher than in Q1 2026, at 11.98%. Within Missouri, Stifel Bank is 150th of 192 on loan-to-deposit ratio, 72.86% as of Q2 2026, below the middle of the field. Stifel Bank reported 72.86% on loan-to-deposit ratio for Q2 2026, 13.97 points below the 86.83% median for banks in the $10B-100B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $9.96B |
| Net loans and leases | $9.92B |
| Loans held for sale | $0 |
| Loans to total assets | 68.09% |
| Loan-to-deposit ratio | 72.86% |
| Net loans to equity capital | 10.86% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.03% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 17.70% |
| Consumer | 0.07% |
| Credit cards | 0.07% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 11.98% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.60% |
| Interest income on loans | $124.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $5.82B | $9.22B | 0.16% | 50.33% | 23.02% |
| Q4 2023 | $7.62B | $11.19B | 0.15% | 60.53% | 19.23% |
| Q1 2024 | $6.67B | $9.92B | 0.06% | 57.81% | 20.85% |
| Q2 2024 | $6.64B | $9.76B | 0.06% | 58.93% | 20.10% |
| Q3 2024 | $6.71B | $9.71B | 0.05% | 60.41% | 19.23% |
| Q4 2024 | $6.97B | $9.95B | 0.05% | 62.78% | 17.91% |
| Q1 2025 | $6.87B | $10.65B | 0.04% | 55.23% | 0.08% |
| Q2 2025 | $7.53B | $10.73B | 0.04% | 57.74% | 0.08% |
| Q3 2025 | $7.22B | $11.13B | 0.04% | 57.61% | 0.09% |
| Q4 2025 | $7.69B | $10.81B | 0.03% | 20.26% | 0.09% |
| Q1 2026 | $7.55B | $11.29B | 0.03% | 21.19% | 0.09% |
| Q2 2026 | $9.96B | $13.67B | 0.03% | 17.70% | 0.07% |
Stifel Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Stifel Bank, freeSource: Call Report Schedule RC-C, 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)