Stifel Bank and Trust: 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 Loan-to-deposit ratio: 5.46 percentage points higher than in Q1 2026, at 86.85%. Stifel Bank and Trust ranks 88th of 192 Missouri banks on loan-to-deposit ratio, in the upper half at 86.85% (Q2 2026). At 86.85%, Stifel Bank and Trust's loan-to-deposit ratio is close to the 86.83% median for banks in the $10B-100B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $530.5M |
| Cash and noninterest-bearing balances to assets | 2.70% |
| Cash and securities | $4.05B |
| Fed funds sold and reverse repos | $1K |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $144.9M |
| Other borrowed money | $450.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 2.29% |
| Trading liabilities | $4.5M |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.85% |
| Net loans and leases to deposits | 86.37% |
| Loans and leases to core deposits | 86.85% |
| Core deposits to total deposits | 97.78% |
| Brokered deposits to total deposits | 2.22% |
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 | 84.31% | 100.00% | $0 | $0 |
| Q4 2023 | 81.16% | 100.00% | $123.2M | $0 |
| Q1 2024 | 78.16% | 100.00% | $51.3M | $0 |
| Q2 2024 | 81.03% | 99.51% | $93.8M | $0 |
| Q3 2024 | 81.05% | 97.03% | $106.7M | $0 |
| Q4 2024 | 80.23% | 97.82% | $0 | $0 |
| Q1 2025 | 81.98% | 99.81% | $96.5M | $0 |
| Q2 2025 | 84.70% | 99.92% | $145.1M | $0 |
| Q3 2025 | 82.45% | 100.00% | $144.9M | $0 |
| Q4 2025 | 83.71% | 100.00% | $145.1M | $0 |
| Q1 2026 | 81.39% | 99.00% | $143.3M | $0 |
| Q2 2026 | 86.85% | 97.78% | $144.9M | $450.0M |
Stifel Bank and Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Stifel Bank and Trust, 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 and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57311) · FFIEC NIC profile (RSSD 3076248)