Bank Safety Analysis
Is Stifel Trust Company Delaware, N.A. Safe?
Stifel Trust Company Delaware, N.A. passes all 4 regulatory safety dimensions, with capital, asset quality, and stress buffers above supervisory concern bands. Analysis based on the Q2 2026 call report.
The standout move of Q2 2026 was in CET1 ratio: 4.89 percentage points lower than in Q1 2026, at 49.75%. Within Delaware, Stifel Trust Company Delaware, N.A. is 4th of 14 on CET1 ratio, 49.75% as of Q2 2026, above the middle of the field. Stifel Trust Company Delaware, N.A.'s CET1 ratio of 49.75% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 34.68 points (Q2 2026). From Q3 2023 to Q2 2026, Stifel Trust Company Delaware, N.A.'s CET1 ratio ranged between 37.75% (Q3 2023) and 54.64% (Q1 2026) and its Texas ratio ranged between 0.00% (Q2 2026) and 0.00% (Q2 2026). Compared with Q2 2025, Stifel Trust Company Delaware, N.A.'s CET1 ratio from 46.49% to 49.75%, Texas ratio from 0.00% to 0.00%, return on assets from 2.41% to 2.79% in Q2 2026.
Data as of · sourced from FFIEC call reports. How we update
A relative risk score, not a calibrated probability: it ranks this bank against every other filer. Model AUC 0.988 (v20261005_114304). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk, and its accuracy above roughly $10B in assets is not established, so a low score is not evidence of safety. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: banks with $100M to $1B in assets (2,672 banks) · Industry averages as of Q2 2026.
CET1 of 49.75% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 11.44% is above the 5% well-capitalized threshold.
Asset quality data not available.
Texas Ratio of 0.0% is well below the 100% historical failure threshold.
Efficiency ratio of 27.4% reflects competitive operating costs (lower is better).
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 49.75% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 0.00% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | — | Flags at 3% or above | Not reported |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 0.00% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 0.00% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 49.75% |
| Q1 2026 | 54.64% |
| Q4 2025 | 51.67% |
| Q3 2025 | 52.85% |
| Q2 2025 | 46.49% |
| Q1 2025 | 47.51% |
| Q4 2024 | 46.41% |
| Q3 2024 | 47.71% |
| Q2 2024 | 45.70% |
| Q1 2024 | 40.13% |
| Q4 2023 | 47.88% |
| Q3 2023 | 37.75% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 0.00% |
| Q1 2026 | 0.00% |
| Q4 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q1 2025 | 0.00% |
| Q4 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q2 2024 | 0.00% |
| Q1 2024 | 0.00% |
| Q4 2023 | 0.00% |
| Q3 2023 | 0.00% |
Stifel Trust Company Delaware, N.A. by quarter
| Quarter end | CET1 | Noncurrent loans | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 49.75% | — | 0.00% | 2.79% |
| Mar 31, 2026 | 54.64% | — | 0.00% | 2.77% |
| Dec 31, 2025 | 51.67% | — | 0.00% | 2.53% |
| Sep 30, 2025 | 52.85% | — | 0.00% | 2.70% |
| Jun 30, 2025 | 46.49% | — | 0.00% | 2.41% |
| Mar 31, 2025 | 47.51% | — | 0.00% | 2.30% |
| Dec 31, 2024 | 46.41% | — | 0.00% | 2.19% |
| Sep 30, 2024 | 47.71% | — | 0.00% | 2.45% |
| Jun 30, 2024 | 45.70% | — | 0.00% | 2.60% |
| Mar 31, 2024 | 40.13% | — | 0.00% | 2.67% |
| Dec 31, 2023 | 47.88% | — | 0.00% | 2.76% |
| Sep 30, 2023 | 37.75% | — | 0.00% | 2.70% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Stifel Trust Company Delaware, N.A. FDIC insured?
Yes. Stifel Trust Company Delaware, N.A. is an FDIC-insured commercial bank (FDIC Certificate #59043). Customer deposits are protected up to the standard FDIC insurance limit of $250,000 per depositor, per ownership category.
Is Stifel Trust Company Delaware, N.A. well capitalized?
Yes. Stifel Trust Company Delaware, N.A. reports a CET1 Ratio of 49.75%, comfortably above the regulatory well-capitalized threshold that its primary federal regulator, the OCC, applies under Prompt Corrective Action.
What is Stifel Trust Company Delaware, N.A.'s Texas Ratio?
Stifel Trust Company Delaware, N.A.'s Texas Ratio is 0.00%. It compares nonperforming assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
How safe is my money at any FDIC-insured bank?
FDIC insurance covers up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC typically pays insured depositors within one business day.
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Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 59043) · FFIEC NIC profile (RSSD 4125778)
Explore: Full Stifel Trust Company Delaware, N.A. profile · Other banks in DE · Metric glossary · How the call report works