Stifel Bank and Trust: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 12.20 percentage points lower than in Q1 2026, at 70.54%. Within Missouri, Stifel Bank and Trust is 37th of 192 on return on assets, 2.02% as of Q2 2026, above the middle of the field. Stifel Bank and Trust's return on assets of 2.02% is well above the 1.30% median for banks in the $10B-100B asset tier, a gap of 0.73 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.97% |
| Tier 1 risk-based capital ratio | 10.97% |
| Total risk-based capital ratio | 11.77% |
| Tier 1 leverage ratio | 7.07% |
| Equity capital to assets | 6.84% |
| Tangible equity to tangible assets | 6.76% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.79% |
| Non-performing assets ratio | 0.61% |
| Net charge-off ratio | 0.17% |
| Texas ratio | 11.73% |
| Allowance for credit losses to loans | 0.56% |
| Reserve coverage of non-performing loans | 70.54% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.02% |
| Return on equity | 28.39% |
| Net interest margin | 3.80% |
| Efficiency ratio | 26.97% |
| Yield on earning assets | 5.45% |
| Cost of funds | 1.72% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.85% |
| Core deposits to total deposits | 97.78% |
| Brokered deposits to total deposits | 2.22% |
| Deposits to assets | 89.34% |
| Securities to assets | 17.96% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.81% | 10.81% | 11.79% | 7.70% | 2.51% |
| Q4 2023 | 11.83% | 11.83% | 12.89% | 7.26% | 2.69% |
| Q1 2024 | 10.80% | 10.80% | 11.89% | 7.10% | 2.12% |
| Q2 2024 | 10.92% | 10.92% | 11.99% | 7.10% | 2.03% |
| Q3 2024 | 10.70% | 10.70% | 11.70% | 7.10% | 2.02% |
| Q4 2024 | 11.08% | 11.08% | 12.09% | 7.06% | 1.76% |
| Q1 2025 | 11.10% | 11.10% | 12.09% | 7.07% | 1.80% |
| Q2 2025 | 11.48% | 11.48% | 12.49% | 7.03% | 1.87% |
| Q3 2025 | 11.08% | 11.08% | 12.04% | 7.08% | 1.95% |
| Q4 2025 | 11.18% | 11.18% | 12.12% | 7.02% | 1.79% |
| Q1 2026 | 11.45% | 11.45% | 12.25% | 7.06% | 1.82% |
| Q2 2026 | 10.97% | 10.97% | 11.77% | 7.07% | 2.02% |
Stifel Bank and Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Stifel Bank and Trust, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)