Stifel Bank and Trust: 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.
Cre concentration (tier 1 capital + allowance) dropped 25.17 percentage points in Q2 2026, from 133.86% to 108.70%. It was the largest change from Q1 2026 among the key lines here. Within Missouri, Stifel Bank and Trust is 88th of 192 on loan-to-deposit ratio, 86.85% as of Q2 2026, above the middle of the field. 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).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $15.22B |
| Net loans and leases | $15.14B |
| Loans held for sale | $373.6M |
| Loans to total assets | 77.59% |
| Loan-to-deposit ratio | 86.85% |
| Net loans to equity capital | 11.29% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 2.68% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 14.61% |
| Consumer | 0.15% |
| Credit cards | 0.00% |
| 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) | 108.70% |
| Construction concentration (Tier 1 capital + allowance) | 68.56% |
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 | — |
| Interest income on loans | $194.6M |
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 | $14.75B | $17.50B | 4.24% | 39.63% | 2.39% |
| Q4 2023 | $12.24B | $15.08B | 5.35% | 25.67% | 1.77% |
| Q1 2024 | $12.95B | $16.56B | 5.02% | 26.91% | 2.07% |
| Q2 2024 | $13.31B | $16.43B | 4.55% | 26.89% | 2.54% |
| Q3 2024 | $14.06B | $17.35B | 3.99% | 29.13% | 2.86% |
| Q4 2024 | $14.48B | $18.04B | 3.55% | 29.18% | 3.59% |
| Q1 2025 | $14.68B | $17.90B | 3.19% | 29.77% | 0.28% |
| Q2 2025 | $14.28B | $16.86B | 2.98% | 22.69% | 0.19% |
| Q3 2025 | $14.74B | $17.88B | 2.94% | 23.17% | 0.20% |
| Q4 2025 | $14.95B | $17.86B | 2.81% | 14.51% | 0.20% |
| Q1 2026 | $14.97B | $18.40B | 2.92% | 13.70% | 0.16% |
| Q2 2026 | $15.22B | $17.53B | 2.68% | 14.61% | 0.15% |
Stifel Bank and Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Stifel Bank and Trust, 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 and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57311) · FFIEC NIC profile (RSSD 3076248)