Stifel Bank and Trust
Stifel Bank and Trust reported total assets of $19.6 bn at Q2 2026, up 6.2% on a year earlier, the 106th largest of 497 banks in our US coverage. The CET1 capital ratio at Stifel Bank and Trust was 10.97%, and the uninsured share of Stifel Bank and Trust was 17.13%. Source: FDIC Call Reports.
Key takeaways
- Stifel Bank and Trust reports one of the lowest tier 1 leverage ratio readings among banks of $10 bn to $100 bn: 7.07% at , where the median of the 126 banks is 10.25% (FDIC Call Reports).
- The common equity tier 1 (CET1) ratio of Stifel Bank and Trust, 10.97% at , places Stifel Bank and Trust in the bottom tenth of banks of $10 bn to $100 bn (group median 12.97%; FDIC Call Reports).
- Few banks of $10 bn to $100 bn report a higher return on equity (ROE) than Stifel Bank and Trust, at 27.27% in against a group median of 10.71% (FDIC Call Reports).
What sets Stifel Bank and Trust apart
- On net interest margin, Stifel Bank and Trust slipped from 235th to 290th among 500 US banks between and (1 = highest).
- Stifel Bank and Trust reports one of the lowest efficiency ratio readings among banks of $10 bn to $100 bn: 26.89% at , where the median of the 126 banks is 55.14%.
How large is Stifel Bank and Trust?
The balance sheet of Stifel Bank and Trust at : assets $19.6 bn, deposits $17.5 bn, net loans $15.1 bn (loans equal to 86.37% of deposits). Securities make up 18.0% of total assets at Stifel Bank and Trust. Since , when Stifel Bank and Trust held $8.3 bn, its assets grew 136.1%. In the year to , deposits at Stifel Bank and Trust rose 4.0% while its total assets rose 6.2%. At , Stifel Bank and Trust employed 329 full-time equivalent staff across 2 offices, about $59.6 mn of assets per employee and $8.8 bn of deposits per office.
How much funding at Stifel Bank and Trust is uninsured?
At Stifel Bank and Trust, uninsured deposits (above the FDIC limit) made up 17.13% of domestic deposits at (+2.92 pp on a year earlier); Stifel Bank and Trust ranks 437th of 500 on this measure. In dollars, Stifel Bank and Trust estimated $3.0 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $17.5 bn | +4.0% | 99th of 499 |
| Net loans and leases | $15.1 bn | +6.8% | 93rd of 500 |
| Loan-to-deposit ratio | 86.37% | +2.30 pp | 256th of 500 |
| Tier 1 leverage ratio | 7.07% | +0.03 pp | 494th of 500 |
| Total risk-based capital ratio | 11.77% | -0.72 pp | 425th of 448 |
| Net interest margin | 3.53% | +0.04 pp | 290th of 500 |
| Return on assets (ROA) | 1.86% | +0.02 pp | 68th of 500 |
| Efficiency ratio | 26.89% | -0.09 pp | 17th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Gain of $3.3 mn | Fell by $2.5 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $16.1 mn | Narrowed by $1.9 mn | |
| Noncurrent loans to total loans | 1.09% | -0.02 pp | 380th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.41% | +0.08 pp | 424th of 500 (1 = lowest) |
US rank of Stifel Bank and Trust: 1 = highest unless marked 1 = lowest.
Balance sheet
Stifel Bank and Trust: assets, deposits and loans
- Total assets $19.6bn
- Deposits $17.5bn
- Net loans $15.1bn
Capital and securities
The CET1 ratio of Stifel Bank and Trust stood at 10.97% in , -0.51 pp year on year. Low and high at Stifel Bank and Trust since : 10.62% () to 16.04% (). Equity capital of Stifel Bank and Trust at : $1.3 bn, or 6.8% of total assets. Stifel Bank and Trust also reported a total capital ratio of 11.77% for , and a tier 1 leverage ratio of 7.07%.
On held-to-maturity securities, Stifel Bank and Trust carried an unrealized gain of $3.3 mn at , equal to 0.2% of equity capital. The gain fell by $2.5 mn over the year. Its deepest point: $328.0 mn in . The available-for-sale portfolio of Stifel Bank and Trust showed an unrealized loss of $16.1 mn at ; the loss narrowed by $1.9 mn over the year.
Stifel Bank and Trust: capital ratios
- Total capital 12%
- CET1 11%
- Tier 1 leverage 7.1%
Stifel Bank and Trust: unrealized securities gains and losses
- Available for sale -$16mn
- Held to maturity $3mn
Profitability and loan quality
For the year to , Stifel Bank and Trust earned a return on equity of 27.27%; return on assets: 1.86%. Net interest margin at Stifel Bank and Trust: 3.53%, +0.04 pp in a year. Stifel Bank and Trust net income: $183.4 mn, up 4.1% year on year. The efficiency ratio of Stifel Bank and Trust was 26.89%: about 27 cents cost per revenue dollar, against 56 cents at the median peer.
At , noncurrent loans were 1.09% of total loans at Stifel Bank and Trust; net charge-offs: 0.41% of average loans. Gross loans and leases at Stifel Bank and Trust: $15.2 bn, up 6.6% in a year.
Stifel Bank and Trust: profitability
- Return on equity 27%
- Net interest margin 3.5%
- Return on assets 1.9%
Peer group of Stifel Bank and Trust
The peer group of Stifel Bank and Trust is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 2 share the charter type of Stifel Bank and Trust (state member bank), 6 sit in the same size group ($10 bn to $100 bn) and 1 has its head office in Missouri. Against them, Stifel Bank and Trust shows CET1 ratio 10.97% against a peer median of 12.54%, return on equity 27.27% against a peer median of 12.34% and uninsured deposit share 17.13% against a peer median of 37.72%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Merchants Bank of Indiana | State nonmember bank | IN | $21.2 bn | 11.76% | 13.29% | 28.97% | |
| The Central Trust Bank | State member bank | MO | $20.3 bn | 12.69% | 22.10% | 38.43% | |
| Apple Bank | State-chartered stock savings bank | NY | $19.9 bn | 11.68% | 4.83% | 21.01% | |
| Stifel Bank and Trust | State member bank | MO | $19.6 bn | 10.97% | 27.27% | 17.13% | |
| FirstBank Puerto Rico | State nonmember bank | PR | $19.2 bn | 15.96% | 18.97% | 48.20% | |
| Trustmark Bank | State member bank | MS | $19.2 bn | 12.43% | 11.39% | 37.02% | |
| Bank of Hope | State nonmember bank | CA | $19.0 bn | 12.65% | 5.90% | 40.33% | |
. FDIC Call Reports.
Last eight quarters
Two years at Stifel Bank and Trust, to : assets +4.1%, deposits +1.0%, equity +2.5%. Staff 320 to 329.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $18.8 bn | $19.5 bn | $19.5 bn | $18.5 bn | $19.7 bn | $19.4 bn | $20.1 bn | $19.6 bn |
| Total deposits | $17.3 bn | $18.0 bn | $17.9 bn | $16.9 bn | $17.9 bn | $17.9 bn | $18.4 bn | $17.5 bn |
| Bank equity capital | $1.3 bn | $1.4 bn | $1.4 bn | $1.3 bn | $1.3 bn | $1.3 bn | $1.4 bn | $1.3 bn |
| CET1 ratio | 10.70% | 11.08% | 11.10% | 11.48% | 11.08% | 11.18% | 11.45% | 10.97% |
| Return on equity (ROE) | 28.67% | 27.79% | 25.48% | 25.91% | 26.38% | 26.13% | 26.00% | 27.27% |
| Uninsured share of domestic deposits | 14.98% | 17.78% | 15.15% | 14.21% | 19.77% | 17.65% | 20.91% | 17.13% |
| Full-time equivalent employees | 320 | 320 | 316 | 330 | 315 | 317 | 315 | 329 |
| Number of offices | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Stifel Bank and Trust appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Stifel Bank and Trust?
Stifel Bank and Trust reported $19.6 bn at in its Call Report. That makes Stifel Bank and Trust the 106th largest of 497 banks in our US coverage.
Is Stifel Bank and Trust the same as its holding company?
No. This page covers Stifel Bank and Trust, FDIC certificate 57311; STIFEL FINANCIAL CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Stifel Bank and Trust profitable?
Stifel Bank and Trust reported net income of $183.4 mn for the year to ; annualized return on equity: 27.27%. So yes: Stifel Bank and Trust made a profit over these months.
When is data for Stifel Bank and Trust next updated?
Figures from Stifel Bank and Trust for are due after .
Where can I check the figures for Stifel Bank and Trust?
In the FDIC BankFind Suite record for certificate 57311, and in the Call Reports of Stifel Bank and Trust (RSSD ID 3076248) at the FFIEC Central Data Repository.