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Stifel Bank
Saint Louis, MO·FDIC Cert #57358·Charter: STATE·Est. 20020516.0·HC: STIFEL FINANCIAL CORP
Total Assets
$11.7B
Q4 2025
Return on Assets
1.49%
-0.01%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
24.50%
Peer avg: 55.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
73
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.49%-0.01
ROE
22.64%-0.52
Efficiency
24.50%+2.26
Equity/Assets
0.00%+0.00
NPL Ratio
0.00%-0.00
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
70.91%+6.24
Charge-offs
-0.00%+0.00
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 | 1.4 | 1.4 | 1.5 | 1.5 | 1.5 | 1.5 | 1.5 | 1.5 |
| ROE | 20.7 | 21.6 | 22.1 | 23.0 | 23.4 | 22.5 | 23.2 | 22.6 |
| Efficiency | 27.7 | 24.2 | 23.2 | 21.9 | 20.5 | 21.8 | 22.2 | 24.5 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | -0.0 | -0.0 | -0.0 | -0.0 |
| Loan/Deposit | 66.9 | 67.7 | 68.8 | 69.8 | 64.3 | 70.0 | 64.7 | 70.9 |
Balance Sheet
Total Assets$11.7B
Total Deposits$10.8B
Total Loans$7.7B
Total Equity$812.8M
Profitability
ROA1.49%
ROE22.64%
Efficiency Ratio24.50%
Net Income$171.4M
Risk & Asset Quality
NPL Ratio0.00%
Charge-off Rate-0.00%
Loan/Deposit70.91%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans