Stifel Trust Company N.A.: 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.
The biggest quarter-over-quarter change on this page was a small one: Yield on securities edged up 0.17 percentage points between Q1 2026 and Q2 2026, to 4.46%. Within Missouri, Stifel Trust Company N.A. is 78th of 192 on net interest margin, 4.19% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Stifel Trust Company N.A. sits 0.24 points higher, at 4.19% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.24% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.05% |
| Cost of interest-bearing deposits | 0.05% |
| Cost of interest-bearing liabilities | 0.05% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.19% |
| Yield to cost spread | 4.19% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $0 |
| Total interest expense | $116K |
| Interest expense on deposits | $116K |
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 |
|---|---|---|---|
| Q3 2023 | 4.86% | 0.45% | 4.45% |
| Q4 2023 | 4.91% | 0.42% | 4.53% |
| Q1 2024 | 4.98% | 0.38% | 4.63% |
| Q2 2024 | 4.85% | 0.36% | 4.52% |
| Q3 2024 | 4.92% | 0.34% | 4.60% |
| Q4 2024 | 4.63% | 0.27% | 4.38% |
| Q1 2025 | 4.36% | 0.38% | 4.01% |
| Q2 2025 | 4.49% | 0.33% | 4.19% |
| Q3 2025 | 4.60% | 0.28% | 4.34% |
| Q4 2025 | 4.46% | 0.10% | 4.37% |
| Q1 2026 | 4.21% | 0.05% | 4.16% |
| Q2 2026 | 4.24% | 0.05% | 4.19% |
Stifel Trust Company N.A. 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 Trust Company N.A., 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 Trust Company N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33785) · FFIEC NIC profile (RSSD 2713920)