| Metric | Stifel Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +26.8% | +5.9% | +20.9 pts |
| Deposit growth (YoY) | +27.4% | +5.7% | +21.7 pts |
| Loan growth (YoY) | +32.2% | +6.9% | +25.3 pts |
| ROA | 1.38% | 1.23% | +0.2 pts |
| ROE | 21.1% | 11.2% | +9.9 pts |
ROA ranks in the 63rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $14.62B | $13.67B | $9.92B | $913.9M | $88.7M | 1.38% | 2.62% | 0.04% |
| Q1 2026 | $12.14B | $11.29B | $7.52B | $794.4M | $44.4M | 1.49% | 2.67% | 0.01% |
| Q4 2025 | $11.74B | $10.81B | $7.66B | $812.8M | $171.4M | 1.49% | 2.67% | 0.00% |
| Q3 2025 | $11.96B | $11.13B | $7.19B | $782.6M | $129.1M | 1.50% | 2.66% | 0.00% |
| Q2 2025 | $11.53B | $10.73B | $7.50B | $760.6M | $82.3M | 1.46% | 2.57% | 0.00% |
| Q1 2025 | $11.48B | $10.65B | $6.84B | $725.7M | $41.8M | 1.50% | 2.65% | 0.00% |
| Q4 2024 | $10.79B | $9.95B | $6.94B | $704.0M | $164.1M | 1.51% | 2.62% | 0.00% |
| Q3 2024 | $10.46B | $9.71B | $6.68B | $705.7M | $118.9M | 1.45% | 2.54% | 0.00% |
Loan mix (Q2 2026): real estate $1.18B · commercial $1.76B · consumer $7.3M · securities $3.94B
| Ratio | Stifel Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.38% | 1.23% | 63rd | |
Return on equity Annualized net income ÷ equity or net worth | 21.1% | 11.3% | 92nd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.62% | 3.55% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 29.1% | 54.9% | 9th |
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 | 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 | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Stifel Bank | 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 | 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 | 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.
1 branches in 1 county across 1 state (+0 vs 2025) · $13.67B branch deposits. Biggest market: St. Louis (City), MO, ranked 2nd with 24.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| St. Louis (City), MO | 1 | $13.67B | 24.46% | 2nd |
Missouri: 7th with 4.55% · St. Louis metro: 4th, 8.69% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1