Stifel Bank and Trust
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Data as of · sourced from FFIEC call reports. How we update
Stifel Bank and Trust is an FDIC-insured commercial bank headquartered in Saint Louis, MO, established in 2002 (FDIC certificate 57311), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $19.62B, up 6.2% from Q2 2025, the 4th largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 10.97% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 57311
- Headquarters
- Saint Louis, MO
- Established
- 2002
- Total assets, Q2 2026
- $19.62B
- Assets vs Q2 2025
- +6.2%
- CET1 ratio, Q2 2026
- 10.97%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 081018972
- Latest call report
- Q2 2026, FFIEC 041 · Stifel Bank and Trust call report
- Holding company
- STIFEL BANCORP, INC.
- Asset rank in state
- 4th of 191 in Missouri
Stifel Bank and Trust is one of the more profitable banks of its size. The Saint Louis, Missouri bank had $19.6 billion in assets at June 30, 2026, up 6.2% from a year earlier. It earns about $2.02 a year on every $100 of assets, higher than about 9 in 10 of the 127 banks with $10 billion to $100 billion in assets (median $1.32). It also spends about 27 cents to bring in each dollar of revenue, about half the median of 53 cents for banks its size.
Where it has less room is capital: it holds common equity equal to 10.97% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 12.98%).
As of June 30, 2026, Stifel Bank and Trust reported a CET1 capital ratio of 10.97%, a return on assets of 2.02%, a nonperforming-loan ratio of 1.09% and a Texas ratio of 11.73%. The figures come from its call report filed with the FFIEC.
Of the 191 banks headquartered in Missouri, Stifel Bank and Trust is the 4th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 2.2% to $19.62B, loans rose 1.7% and deposits fell 4.7%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 57.3% of total loans, ahead of commercial and industrial loans at 14.6%. Its 2 offices in the FDIC Summary of Deposits are in Saint Louis, MO. On its Q2 2026 call report, Stifel Bank and Trust meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 501 N Broadway, Saint Louis, MO 63102
- County
- St. Louis City
- Metro Area
- St. Louis, MO-IL
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- April 16, 2002
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 329
- Domestic deposits
- $17.53B
- Allowance for credit losses
- $84.6M
- Net charge-offs (YTD)
- $30.9M
- Average total assets
- $18.93B
- Average total loans
- $14.16B
- Average interest-bearing deposits
- $17.06B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- April 16, 2002
- FDIC Cert
- 57311
- Fed RSSD
- 3076248
- SEC CIK
- 720672 → filed by STIFEL FINANCIAL CORP.
- Website
- www.stifelbank.com →
- Parent Holding Company
- STIFEL BANCORP, INC. (RSSD 3189728)
- Ultimate Parent
- STIFEL FINANCIAL CORP. (RSSD 3063622)
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Ronald J Kruszewski | CEO | Chief Executive Officer |
| James M Zemlyak | PRES | President |
| James M Marischen | CFO | Chief Financial Officer |
| David D Sliney | COO | Chief Operating Officer |
| Mark P Fisher | GC | Senior VP & General Counsel |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Stifel Bank and Trust's total assets moved between a low of $16.77B (Q4 2023) and a high of $20.06B (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$19.62B total assets against $18.47B; $18.28B total liabilities against $17.13B.
$15.14B net loans and leases against $14.17B; $17.53B total deposits against $16.86B.
$3.52B securities against $3.62B; $530.5M cash and balances due against $321.1M.
$244.7M total interest income against $268.0M; $74.4M total interest expense against $98.4M.
$170.3M net interest income against $169.5M.
$6.2M total noninterest income against $1.6M; $47.6M total noninterest expense against $46.8M.
$7.7M provision for credit losses against $6.4M.
$95.8M net income against $88.9M.
2.02% return on assets against 1.87%; 3.80% net interest margin against 3.75%.
10.97% CET1 capital ratio against 11.48%; 7.07% tier 1 leverage ratio against 7.03%.
Inside the full Stifel Bank and Trust terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeStifel Bank and Trust rankings
Its closest position to the top of a national ranking is 28 of 3,606, for efficiency ratio; its furthest is 1,958 of 2,134, for CET1 ratio.
Metric pages for Stifel Bank and Trust: Efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.76% (Q4 2024) to 2.02% (Q2 2026) and its net interest margin ran from 3.40% (Q4 2024) to 3.81% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.97% | 2.02% | 1.09% | 11.73% | 3.80% |
| Q1 2026 | 11.45% | 1.82% | 1.05% | 10.99% | 3.81% |
| Q4 2025 | 11.18% | 1.79% | 1.14% | 12.02% | 3.79% |
| Q3 2025 | 11.08% | 1.95% | 1.08% | 11.30% | 3.66% |
| Q2 2025 | 11.48% | 1.87% | 1.11% | 11.06% | 3.75% |
| Q1 2025 | 11.10% | 1.80% | 1.19% | 11.89% | 3.41% |
| Q4 2024 | 11.08% | 1.76% | 1.11% | 11.06% | 3.40% |
| Q3 2024 | 10.70% | 2.02% | 1.03% | 10.37% | 3.46% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Stifel Bank and Trust (main office) | Saint Louis , MO | 63102 | $17.53B |
| Olive Branch | Saint Louis , MO | 63141 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 1, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 2013 | Structure Change | Acquired Acacia Federal Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 6.3% of deposits in MO, rank 5 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 5,129 applications, 4,497 loans originated, $2.49B originated, across 51 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $285K approved, $285K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2006 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Stifel Bank and Trust
What are Stifel Bank and Trust's total assets?
As of the Q2 2026 filing, Stifel Bank and Trust reported total assets of $19.62 billion in its FFIEC call report.
Where is Stifel Bank and Trust headquartered?
It is headquartered in Saint Louis, MO, United States.
When was Stifel Bank and Trust founded?
It was established in 2002, per the FDIC institution directory.
Is Stifel Bank and Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57311). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Stifel Bank and Trust?
Stifel Bank and Trust's primary federal regulator is the Federal Reserve.
What is Stifel Bank and Trust's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.97% in its Q2 2026 call report, above regulatory requirements.
How many branches does Stifel Bank and Trust operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Stifel Bank and Trust's Texas Ratio?
Its Texas Ratio is 11.73% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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