Stifel Bank and Trust: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Retained earnings fell 4.6% from Q1 2026 to Q2 2026, ending at $355.3M against $372.5M. It was the largest change among the key lines on this page. Within Missouri, Stifel Bank and Trust is 83rd of 98 on CET1 ratio, 10.97% as of Q2 2026, below the middle of the field. Stifel Bank and Trust reported 10.97% on CET1 ratio for Q2 2026, 1.98 points below the 12.96% median for banks in the $10B-100B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.97% |
| Tier 1 risk-based capital ratio | 10.97% |
| Total risk-based capital ratio | 11.77% |
| Tier 1 leverage ratio | 7.07% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $1.34B |
| Tier 1 capital | $1.34B |
| Total risk-based capital | $1.43B |
| Total equity capital | $1.34B |
| Risk-weighted assets | $12.18B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 6.84% |
| Tangible equity to tangible assets | 6.76% |
| Equity capital to average assets | 7.09% |
| Internal capital growth rate | -5.64% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.0M |
| Common stock surplus | $997.2M |
| Retained earnings | $355.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$12.1M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 10.81% | 10.81% | 11.79% | 7.70% | $13.78B |
| Q4 2023 | 11.83% | 11.83% | 12.89% | 7.26% | $11.37B |
| Q1 2024 | 10.80% | 10.80% | 11.89% | 7.10% | $11.50B |
| Q2 2024 | 10.92% | 10.92% | 11.99% | 7.10% | $11.62B |
| Q3 2024 | 10.70% | 10.70% | 11.70% | 7.10% | $12.21B |
| Q4 2024 | 11.08% | 11.08% | 12.09% | 7.06% | $12.33B |
| Q1 2025 | 11.10% | 11.10% | 12.09% | 7.07% | $12.37B |
| Q2 2025 | 11.48% | 11.48% | 12.49% | 7.03% | $11.64B |
| Q3 2025 | 11.08% | 11.08% | 12.04% | 7.08% | $11.94B |
| Q4 2025 | 11.18% | 11.18% | 12.12% | 7.02% | $11.88B |
| Q1 2026 | 11.45% | 11.45% | 12.25% | 7.06% | $11.82B |
| Q2 2026 | 10.97% | 10.97% | 11.77% | 7.07% | $12.18B |
Stifel Bank and Trust regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Stifel Bank and Trust, freeSource: Call Report Schedule RC-R, 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 and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57311) · FFIEC NIC profile (RSSD 3076248)