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Stifel Bank and Trust
Saint Louis, MO·FDIC Cert #57311·Charter: STATE·Est. 20020416.0·HC: STIFEL FINANCIAL CORP
Total Assets
$19.4B
Q4 2025
Return on Assets
1.82%
-0.02%Peer avg: 1.15%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
27.28%
Peer avg: 54.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
69
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.82%-0.02
ROE
26.13%-0.25
Efficiency
27.28%-0.03
Equity/Assets
0.00%+0.00
NPL Ratio
1.15%+0.06
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
83.14%+1.27
Charge-offs
0.33%+0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 2.1 | 2.1 | 2.1 | 2.0 | 1.8 | 1.8 | 1.8 | 1.8 |
| ROE | 28.8 | 28.7 | 28.7 | 27.8 | 25.5 | 25.9 | 26.4 | 26.1 |
| Efficiency | 23.7 | 24.5 | 24.6 | 25.3 | 26.6 | 27.0 | 27.3 | 27.3 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.5 | 0.6 | 1.0 | 1.1 | 1.2 | 1.1 | 1.1 | 1.1 |
| Charge-offs | 0.1 | 0.1 | 0.1 | 0.1 | 0.3 | 0.3 | 0.3 | 0.3 |
| Loan/Deposit | 77.5 | 80.4 | 80.4 | 79.6 | 81.4 | 84.1 | 81.9 | 83.1 |
Balance Sheet
Total Assets$19.4B
Total Deposits$17.9B
Total Loans$14.8B
Total Equity$1.3B
Profitability
ROA1.82%
ROE26.13%
Efficiency Ratio27.28%
Net Income$352.4M
Risk & Asset Quality
NPL Ratio1.15%
Charge-off Rate0.33%
Loan/Deposit83.14%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans