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

Stifel Bank & Trust

Saint Louis, Missouri · $19.62B in assets · beside the 5 other Missouri banks over $10B

The filing

86.9%
Loans / deposits
6th of 6
1.09%
NPA / loans
6th of 6
26.9%
Efficiency
1st of 6

Stifel Bank & Trust is the fourth largest of the 6 Missouri banks over $10B, with $19.62B in assets at 30 June 2026. Loans are 86.9% of deposits, the highest in the cohort against a median of 73.5%, and equity is 6.8% of assets, 5th of 6. Loans grew +6.6% in the year, 4th of 6, and deposits grew 4.0%; the cohort's median loan growth is +9.2%.

Noncurrent loans are 1.09% of the book, the highest in the cohort against a median of 0.42%; 0.16% is 30 to 89 days past due, and the allowance covers them 0.5 times. Net charge-offs are 0.41% of loans, the highest in the cohort. Commercial real estate is 9.0% of loans, 2nd of 6 against a median of 22.5%, and 95% of capital, below the 300% screen, with construction at 68% against the 100% screen.

Return on assets is 1.94%, 2nd of 6 against a median of 1.36%, on an efficiency ratio of 26.9%, the lowest in the cohort. Five years ago it was 1.48%. The question is where the nonperforming loans sit by category, and whether the allowance and the capital behind them hold under a loss path.

Loans as a share of depositsMO banks over $10B · 30 June 2026 · lower is stronger, listed first
median 73.5% UB UMB Bank National Association 68.4% CT Central Trust Bank 71.3% SB Stifel Bank 72.9% CB Commerce Bank 74.1% EB Enterprise Bank & Trust 80.8% SB Stifel Bank & Trust 86.9%
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%

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 Bank & TrustRankCohort median
Total CRE against capital, the 300% screen95%3rd of 6130%
Construction against capital, the 100% screen68%6th of 641%
Construction and land development, share of loans6.4%3rd of 66.8%
Non-owner-occupied nonfarm nonresidential, share of loans2.6%2nd of 612.5%
Total CRE, the guidance definition, share of loans9.0%2nd of 622.5%
CRE growth over 36 months, the third prong-2.1%2nd of 6+4.1%
Commercial real estate against capital, the 300% screenMO banks over $10B · 30 June 2026 · lower is stronger, listed first
median 130% SB Stifel Bank 0% CB Commerce Bank 93% SB Stifel Bank & Trust 95% UB UMB Bank National Association 164% EB Enterprise Bank & Trust 207% CT Central Trust Bank 238%
CRE growth over 36 months, the guidance's third prongMO banks over $10B · 30 June 2026 · lower is stronger, listed first
median +4.1% SB Stifel Bank -62.4% SB Stifel Bank & Trust -2.1% CT Central Trust Bank +2.1% CB Commerce Bank +6.2% EB Enterprise Bank & Trust +20.5% UB UMB Bank National Association +91.7%

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 Bank & TrustCohort median
20212026Change20212026Change
Loans$11.15B$15.22B+37%$9.19B$13.56B+48%
Deposits$14.35B$17.53B+22%$11.55B$16.97B+47%
NPA / loans0.09%1.09%+1.00 pts0.19%0.42%+0.23 pts
Efficiency27.8%26.9%-0.9 pts54.6%49.6%-5.0 pts
ROA1.48%1.94%+0.45 pts1.46%1.36%-0.09 pts

This read was prepared for Stifel Bank & Trust'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 & Trust 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.stifelbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. 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.
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