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

Stifel Trust Co. N.A.

Saint Louis, Missouri · $911M in assets · beside the 11 other Missouri banks between $300M and $1B

The filing

0.0%
Loans / deposits
1st of 12
5.8%
Equity / assets
12th of 12
3.25%
ROA
1st of 12

Stifel Trust Co. N.A. is the seventh largest of the 12 Missouri banks nearest its size between $300M and $1B, with $911M in assets at 30 June 2026. Loans are 0.0% of deposits, the lowest in the cohort against a median of 92.1%, and equity is 5.8% of assets, the lowest in the cohort.

Return on assets is 3.25%, the highest in the cohort against a median of 1.54%, on an efficiency ratio of 38.9%, the lowest in the cohort. Five years ago it was 1.25%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Loans as a share of depositsMO banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 92.1% ST Stifel Trust Co. N.A. 0.0% PB Peoples Bank & Trust Co. 62.2% Bo Bank of Old Monroe 73.0% LB Lindell Bank & Trust Co. 77.1% MB Mid-missouri Bank 80.5% MR Midwest Regional Bank 91.2% FB Freedom Bank of Southern Missouri 92.9% BR Blue Ridge Bank & Trust Co. 93.2% AB American Bank of Freedom 95.0% PS Peoples Savings Bank of Rhineland 96.7% FB Focus Bank 104.9% FF First Federal Bank of Kansas County 111.1%
Loans, year over yearMO banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +5.0% Bo Bank of Old Monroe +21.1% PS Peoples Savings Bank of Rhineland +20.2% FB Freedom Bank of Southern Missouri +18.5% BR Blue Ridge Bank & Trust Co. +7.1% PB Peoples Bank & Trust Co. +5.7% LB Lindell Bank & Trust Co. +5.0% MB Mid-missouri Bank +3.2% FF First Federal Bank of Kansas County +1.0% FB Focus Bank +0.2% AB American Bank of Freedom -9.2% MR Midwest Regional Bank -16.8%

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
Bank of Old Monroe$995M1.5%46.6%0.00%-0.04%1.7%73.0%7.1%
First Federal Bank of Kansas County$993M0.4%84.3%0.45%0.29%1.3%111.1%10.7%
Midwest Regional Bank$949M-1.4%69.2%6.61%3.20%2.5%91.2%10.5%
American Bank of Freedom$948M0.6%70.9%1.54%0.05%1.3%95.0%10.3%
Mid-missouri Bank$947M1.6%59.0%0.07%0.04%1.2%80.5%10.6%
Lindell Bank & Trust Co.$915M2.7%46.0%0.58%-0.05%2.7%77.1%18.0%
Stifel Trust Co. N.A.$911M3.3%38.9%no recordno recordno record0.0%5.8%
Peoples Bank & Trust Co.$908M1.5%51.8%2.27%0.01%1.6%62.2%8.7%
Blue Ridge Bank & Trust Co.$867M1.4%56.8%0.13%0.00%1.7%93.2%9.9%
Peoples Savings Bank of Rhineland$854M1.2%64.8%0.29%-0.01%1.1%96.7%8.4%
Focus Bank$854M1.7%64.4%0.85%0.05%1.2%104.9%12.1%
Freedom Bank of Southern Missouri$850M1.9%51.2%0.13%0.04%0.9%92.9%8.9%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Stifel Trust Co. N.A.Cohort median
20212026Change20212026Change
Loans$0K$0K$428M$676M+58%
Deposits$784M$850M+8%$616M$748M+22%
NPA / loansno recordno record0.34%0.45%+0.11 pts
Efficiency48.2%38.9%-9.3 pts63.6%57.9%-5.8 pts
ROA1.25%3.25%+2.00 pts1.24%1.54%+0.30 pts

This read was prepared for Stifel Trust Co. N.A.'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 Trust Co. N.A. 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 $300M to $1B
Institution www.stifeltrust.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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