← The catalogue
Q2 2026 · read from the 30 June 2026 Call Report · United States · Plains · Missouri, the state note

Stifel Bank

Saint Louis, Missouri · $14.62B in assets · beside the 5 other Missouri banks over $10B

The filing

6.2%
Equity / assets
6th of 6
0.06%
NPA / loans
1st of 6
0.0%
CRE / loans
1st of 6

Stifel Bank is the smallest of the 6 Missouri banks over $10B, with $14.62B in assets at 30 June 2026. Loans are 72.9% of deposits, 3rd of 6 against a median of 73.5%, and equity is 6.2% of assets, the lowest in the cohort. Loans grew +32.2% in the year, the fastest in the cohort, and deposits grew 27.4%; the cohort's median loan growth is +9.2%.

Noncurrent loans are 0.06% of the book, the lowest in the cohort against a median of 0.42%; 0.00% is 30 to 89 days past due, and the allowance covers them 6.3 times. Commercial real estate is 0.0% of loans, the lowest in the cohort against a median of 22.5%, and 0% of capital, below the 300% screen, with construction at 0% against the 100% screen.

Return on assets is 1.31%, 4th of 6 against a median of 1.36%, on an efficiency ratio of 29.1%, 2nd of 6. Five years ago it was 1.51%. The question is whether the new lending seasons as cleanly as the book it joined, and what funded it.

Commercial real estate, share of loansMO banks over $10B · 30 June 2026 · lower is stronger, listed first
median 22.5% SB Stifel Bank 0.0% SB Stifel Bank & Trust 9.0% CB Commerce Bank 18.9% UB UMB Bank National Association 26.0% EB Enterprise Bank & Trust 31.7% CT Central Trust Bank 35.6%
Loans, year over yearMO banks over $10B · 30 June 2026 · no better direction, largest first
median +9.2% SB Stifel Bank +32.2% CB Commerce Bank +17.9% UB UMB Bank National Association +11.8% SB Stifel Bank & Trust +6.6% EB Enterprise Bank & Trust +4.2% CT Central Trust Bank +3.3%

SBA 7(a), FY2008 to FY2026

Stifel Bank is the 50th largest 7(a) lender into Missouri of 444, with $29M across 50 loans, 0.4% of everything approved in the state (Oakstar Bank leads with $556M). 7 of its 7 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Missouri, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Saint Louis, MO$17M24th of 1781.2%quiet FY2018
Boone, MO$5M8th of 672.3%quiet FY2016
Saint Louis City, MO$4M23rd of 1001.4%quiet FY2018
Saint Charles, MO$2M38th of 1360.6%quiet FY2019
Saint Clair, IL$2M29th of 901.1%quiet FY2018
Madison, IL$1M42nd of 910.5%quiet FY2018
Lancaster, PA$500K78th of 1040.1%quiet FY2019
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Retail trade7$9M28.8%0.02%505th of 2,589
Manufacturing9$8M24.8%0.02%526th of 2,246
Transportation & warehousing3$3M9.8%0.02%428th of 1,563
Health care & social assistance6$3M8.0%0.01%773rd of 2,172
Other services6$2M7.2%0.01%813th of 2,248
7(a) lenders into Missouri, share of approvals since FY2008444 lenders on record; the ten largest and Stifel Bank
OB Oakstar Bank 7.3% $556M · 864 loans SB Simmons Bank 6.1% $463M · 1,400 loans LO Live Oak Banking Company 5.3% $404M · 257 loans MR Midwest Regional Bank 4.6% $353M · 393 loans UB U.S. Bank, National Association 4.0% $302M · 2,342 loans TB The Bank of Missouri 3.1% $235M · 887 loans CB Commerce Bank 3.0% $229M · 926 loans BB Busey Bank 2.8% $209M · 281 loans SB Southern Bank 2.3% $172M · 361 loans TC The Central Trust Bank 2.1% $157M · 770 loans SB Stifel Bank 0.4% $29M · 50 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Stifel BankRankCohort median
Total CRE against capital, the 300% screen0%1st of 6130%
Construction against capital, the 100% screen0%1st of 641%
Construction and land development, share of loans0.0%1st of 66.8%
Non-owner-occupied nonfarm nonresidential, share of loans0.0%1st of 612.5%
Total CRE, the guidance definition, share of loans0.0%1st of 622.5%
CRE growth over 36 months, the third prong-62.4%1st of 6+4.1%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
UMB Bank National Association$71.90B1.4%51.4%0.34%0.17%1.1%68.4%10.9%
Commerce Bank$35.02B1.2%60.0%0.17%0.24%0.9%74.1%11.0%
Central Trust Bank$20.31B2.0%47.8%0.49%0.10%1.3%71.3%9.0%
Stifel Bank & Trust$19.62B1.9%26.9%1.09%0.41%0.6%86.9%6.8%
Enterprise Bank & Trust$17.36B1.1%61.0%0.98%0.30%1.2%80.8%11.8%
Stifel Bank$14.62B1.3%29.1%0.06%0.00%0.4%72.9%6.2%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Stifel BankCohort median
20212026Change20212026Change
Loans$2.12B$9.96B+370%$9.19B$13.56B+48%
Deposits$4.21B$13.67B+224%$11.55B$16.97B+47%
NPA / loans0.00%0.06%+0.05 pts0.19%0.42%+0.23 pts
Efficiency20.6%29.1%+8.5 pts54.6%49.6%-5.0 pts
ROA1.51%1.31%-0.20 pts1.46%1.36%-0.09 pts

This read was prepared for Stifel Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Stifel Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort MO banks over $10B
Institution www.stifelbankstl.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
← Back to the catalogue