| Metric | Stifel Bank and Trust | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.2% | +5.9% | +0.4 pts |
| Deposit growth (YoY) | +4.0% | +5.7% | -1.7 pts |
| Loan growth (YoY) | +6.8% | +6.9% | -0.1 pts |
| ROA | 1.86% | 1.23% | +0.6 pts |
| ROE | 27.3% | 11.2% | +16.0 pts |
ROA ranks in the 88th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $19.62B | $17.53B | $15.14B | $1.34B | $183.4M | 1.86% | 3.53% | 0.84% |
| Q1 2026 | $20.06B | $18.40B | $14.89B | $1.36B | $87.5M | 1.77% | 3.51% | 0.78% |
| Q4 2025 | $19.41B | $17.86B | $14.84B | $1.33B | $352.4M | 1.82% | 3.47% | 0.88% |
| Q3 2025 | $19.67B | $17.88B | $14.64B | $1.33B | $267.5M | 1.85% | 3.45% | 0.81% |
| Q2 2025 | $18.47B | $16.86B | $14.17B | $1.34B | $176.2M | 1.84% | 3.49% | 0.86% |
| Q1 2025 | $19.53B | $17.90B | $14.57B | $1.37B | $87.2M | 1.79% | 3.31% | 0.89% |
| Q4 2024 | $19.51B | $18.04B | $14.37B | $1.36B | $362.0M | 1.99% | 3.51% | 0.83% |
| Q3 2024 | $18.85B | $17.35B | $13.95B | $1.31B | $276.8M | 2.06% | 3.53% | 0.77% |
Loan mix (Q2 2026): real estate $10.10B · commercial $2.22B · consumer $23.4M · securities $3.52B
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Stifel Bank and Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.86% | 1.23% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 27.3% | 11.3% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.53% | 3.55% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 26.9% | 54.9% | 8th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Stifel Bank and Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Stifel Bank and Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Stifel Bank and Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Stifel Bank and Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.