Stifel Bank and Trust: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Total interest expense fell 3.0% from Q1 2026 to Q2 2026, ending at $74.4M against $76.7M. It was the largest change among the key lines on this page. Within Missouri, Stifel Bank and Trust is 128th of 192 on net interest margin, 3.80% as of Q2 2026, below the middle of the field. The median for banks in the $10B-100B asset tier is 3.60% on net interest margin. Stifel Bank and Trust sits 0.20 points higher, at 3.80% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.45% |
| Yield on loans | 5.50% |
| Yield on securities | 5.26% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.72% |
| Cost of interest-bearing deposits | 1.62% |
| Cost of interest-bearing liabilities | 1.63% |
| Cost of borrowings | 4.39% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.80% |
| Yield to cost spread | 3.82% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $194.6M |
| Total interest expense | $74.4M |
| Interest expense on deposits | $72.5M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 6.27% | 2.26% | 4.22% | 6.07% | 7.07% |
| Q4 2023 | 6.29% | 2.67% | 3.91% | 6.09% | 7.17% |
| Q1 2024 | 6.16% | 2.94% | 3.48% | 6.06% | 7.01% |
| Q2 2024 | 6.18% | 2.91% | 3.48% | 6.05% | 7.00% |
| Q3 2024 | 6.19% | 2.94% | 3.46% | 5.99% | 7.03% |
| Q4 2024 | 5.81% | 2.58% | 3.40% | 5.66% | 6.56% |
| Q1 2025 | 5.72% | 2.40% | 3.41% | 5.72% | 5.92% |
| Q2 2025 | 5.93% | 2.28% | 3.75% | 6.00% | 5.91% |
| Q3 2025 | 5.88% | 2.27% | 3.66% | 5.92% | 6.00% |
| Q4 2025 | 5.72% | 1.97% | 3.79% | 5.80% | 5.70% |
| Q1 2026 | 5.53% | 1.74% | 3.81% | 5.69% | 5.25% |
| Q2 2026 | 5.45% | 1.72% | 3.80% | 5.50% | 5.26% |
Stifel Bank and Trust yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Stifel Bank and Trust, freeSource: Call Report Schedules RI and RC-K, 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)