Stifel Trust Company N.A.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Retained earnings dropped 55.0% in Q2 2026, from $22.1M to $9.9M. It was the largest change from Q1 2026 among the key lines here. Among 98 Missouri banks, Stifel Trust Company N.A. sits 4th from the top on CET1 ratio, 38.50% as of Q2 2026. Stifel Trust Company N.A.'s CET1 ratio of 38.50% is well above the 15.07% median for banks in the $100M-1B asset tier, a gap of 23.43 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 38.50% |
| Tier 1 risk-based capital ratio | 38.50% |
| Total risk-based capital ratio | 38.50% |
| Tier 1 leverage ratio | 7.52% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $70.9M |
| Tier 1 capital | $70.9M |
| Total risk-based capital | $70.9M |
| Total equity capital | $53.1M |
| Risk-weighted assets | $184.3M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 5.83% |
| Tangible equity to tangible assets | 5.83% |
| Equity capital to average assets | 5.63% |
| Internal capital growth rate | -73.40% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $61.0M |
| Retained earnings | $9.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$17.8M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 34.15% | 34.15% | 34.15% | 9.07% | $252.6M |
| Q4 2023 | 38.74% | 38.74% | 38.74% | 10.21% | $245.0M |
| Q1 2024 | 29.68% | 29.68% | 29.68% | 7.52% | $235.9M |
| Q2 2024 | 31.85% | 31.85% | 31.85% | 8.06% | $227.4M |
| Q3 2024 | 36.76% | 36.76% | 36.76% | 8.38% | $205.9M |
| Q4 2024 | 41.82% | 41.82% | 41.82% | 8.39% | $183.5M |
| Q1 2025 | 39.62% | 39.62% | 39.62% | 9.00% | $211.4M |
| Q2 2025 | 41.14% | 41.14% | 41.14% | 9.14% | $209.9M |
| Q3 2025 | 47.80% | 47.80% | 47.80% | 9.42% | $186.6M |
| Q4 2025 | 41.12% | 41.12% | 41.12% | 8.83% | $203.3M |
| Q1 2026 | 45.22% | 45.22% | 45.22% | 8.83% | $183.7M |
| Q2 2026 | 38.50% | 38.50% | 38.50% | 7.52% | $184.3M |
Stifel Trust Company N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Stifel Trust Company N.A., freeSource: Call Report Schedule RC-R, 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 Trust Company N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33785) · FFIEC NIC profile (RSSD 2713920)