Stifel Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The standout move of Q2 2026 was in Total interest expense: 20.0% higher than in Q1 2026, at $90.9M. On net interest margin, Stifel Bank is 2nd from the bottom among 192 Missouri banks, 2.61% (Q2 2026). Stifel Bank reported 2.61% on net interest margin for Q2 2026, 0.99 points below the 3.60% median for banks in the $10B-100B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.32% |
| Yield on loans | 5.60% |
| Yield on securities | 4.90% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.93% |
| Cost of interest-bearing deposits | 2.98% |
| Cost of interest-bearing liabilities | 2.98% |
| Cost of borrowings | 61200.00% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.61% |
| Yield to cost spread | 2.34% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $124.7M |
| Total interest expense | $90.9M |
| Interest expense on deposits | $90.8M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 6.20% | 4.31% | 2.07% | 6.60% | 5.50% |
| Q4 2023 | 6.32% | 4.18% | 2.27% | 6.61% | 6.02% |
| Q1 2024 | 6.25% | 4.14% | 2.37% | 6.40% | 6.14% |
| Q2 2024 | 6.43% | 4.17% | 2.56% | 6.66% | 6.07% |
| Q3 2024 | 6.51% | 4.22% | 2.56% | 6.86% | 6.10% |
| Q4 2024 | 6.25% | 3.73% | 2.82% | 6.62% | 5.75% |
| Q1 2025 | 5.77% | 3.37% | 2.65% | 6.08% | 5.40% |
| Q2 2025 | 5.72% | 3.38% | 2.51% | 5.99% | 5.32% |
| Q3 2025 | 5.97% | 3.40% | 2.81% | 6.35% | 5.43% |
| Q4 2025 | 5.53% | 3.09% | 2.64% | 5.83% | 5.18% |
| Q1 2026 | 5.22% | 2.82% | 2.66% | 5.48% | 4.85% |
| Q2 2026 | 5.32% | 2.93% | 2.61% | 5.60% | 4.90% |
Stifel Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Stifel Bank, freeSource: Call Report Schedules RI and RC-K, 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)