Total Assets
$19.4B
Total balance-sheet footings
FDIC Cert #57311 · Saint Louis, Missouri · Est. 2002
Stifel Bank and Trust - FDIC Bank Health Profile
A community-scale look at Stifel Bank and Trust's own numbers, pulled straight from its quarterly FDIC Call Report.
- $19.4B
- Total assets
- A
- Health grade · Excellent
- 1.82%
- Return on assets
- 11.2%
- Tier 1 capital
Data updated July 2026
The verdict
Stifel Bank and Trust earns a PlainBankData health grade of A (84/100), with well-capitalized at 11.18% Tier 1, profitable at 1.82% ROA, efficient (27% cost ratio).
- #104
- largest of 4,313 FDIC banks by assets
- 98th
- percentile by asset size, nationally
- 11.18%
- Tier 1 ratio - above the 10% well-capitalized line
- 86th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Stifel Bank and Trust's 84/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Stifel Bank and Trust's composite health score
Tier 1 Capital Ratio (11.18%) 28/40
Return on Assets (ROA) (1.82%) 25/25
Texas Ratio (11.88%) 16/20
Efficiency Ratio (27.28%) 15/15
84 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$17.9B
Customer-funded liabilities
Net Loans
$14.8B
Outstanding loan book
Net Income
$352M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Stifel Bank and Trust ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Stifel Bank and Trust's score of 84/100 falls in the highlighted band.
Stifel Bank and Trust's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Stifel Bank and Trust's $19.4B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.18% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.18%
Texas Ratio
11.88%
Equity Capital
$1.3B
Profitability metrics
Return on Assets (ROA)
86th percentile nationally
1.82%
Return on Equity (ROE)
26.13%
Efficiency Ratio
27.28%
What the numbers say about Stifel Bank and Trust
Stifel Bank and Trust is an FDIC-insured institution (Certificate #57311) headquartered in Saint Louis, Missouri, established in 2002. It holds $19.4B in total assets - 104th of 4,313 FDIC-insured banks, $17.9B in customer deposits, and $14.8B in net loans. Looking at capital strength, Tier 1 stands at 11.18%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 11.88%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (84/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Stifel Bank and Trust's asset base places it among the largest FDIC-insured institutions in the country, 104th of 4,313 nationally, and 4th of 198 banks headquartered in Missouri. Only The Central Trust Bank ($20.8B) is larger within the state. At this scale, the bank's own capital and asset-quality trends are a meaningful signal for the regional banking sector, not just its own depositors.
Income & expense breakdown
$1.0B
Interest Income
$24M
Non-Interest Income
$186M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Stifel Bank and Trust reports a Texas Ratio of 11.88% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
11.88% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Missouri by total assets
National size peers: banks closest to Stifel Bank and Trust by assets
Stifel Bank and Trust is closely matched in total assets by Merchants Bank of Indiana, Apple Bank, TowneBank, FirstBank Puerto Rico across 5 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 1.11%, versus Stifel Bank and Trust's own 1.82%; the average efficiency ratio is 60.23%, versus 27.28% here; and average Tier 1 capital sits at 12.54%, versus 11.18% at Stifel Bank and Trust. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.
At $19.4B in assets, Stifel Bank and Trust has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.
| Bank | State | Assets | ROA | Efficiency | Tier 1 |
|---|---|---|---|---|---|
| Stifel Bank and Trust (this bank) | MO | $19.4B | 1.82% | 27.28% | 11.18% |
| Merchants Bank of Indiana | IN | $19.4B | 1.20% | 43.06% | 12.84% |
| Apple Bank | NY | $19.2B | 0.34% | 78.94% | 11.30% |
| TowneBank | VA | $19.7B | 0.90% | 71.94% | 11.34% |
| FirstBank Puerto Rico | PR | $19.1B | 1.69% | 49.71% | 15.60% |
| First Merchants Bank | IN | $19.0B | 1.27% | 54.97% | 11.86% |
| Trustmark Bank | MS | $18.9B | 1.26% | 62.79% | 12.33% |
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Stifel Bank and Trust (FDIC Cert #57311) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Missouri
All Missouri banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| UMB Bank, National AssociationKansas City | $72.8B | A | 1.01% |
| Commerce BankKansas City | $32.7B | A | 1.74% |
| The Central Trust BankJefferson City | $20.8B | A | 1.82% |
| Enterprise Bank & TrustClayton | $17.3B | B | 1.29% |
| Stifel BankSaint Louis | $11.7B | A | 1.49% |
| First BankSt. Louis | $6.7B | B | 0.51% |
| Great Southern BankReeds Spring | $5.6B | A | 1.31% |
| Southern BankPoplar Bluff | $5.0B | A | 1.36% |
Frequently asked questions
What is Stifel Bank and Trust's health grade?▼
Stifel Bank and Trust receives a health grade of A (84/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Stifel Bank and Trust?▼
Stifel Bank and Trust holds $19.4B in total assets and $17.9B in deposits, ranking 104th of 4,313 FDIC-insured banks by asset size. It is headquartered in Saint Louis, Missouri.
Is my money safe at Stifel Bank and Trust?▼
Yes, deposits at Stifel Bank and Trust (Certificate #57311) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Stifel Bank and Trust's Tier 1 Capital Ratio?▼
Stifel Bank and Trust has a Tier 1 Capital Ratio of 11.18%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Stifel Bank and Trust?▼
Stifel Bank and Trust has a Texas Ratio of 11.88%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Stifel Bank and Trust?▼
Stifel Bank and Trust has an Efficiency Ratio of 27.28%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Stifel Bank and Trust's profile as a depositor or analyst.
- Stifel Bank and Trust's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Stifel Bank and Trust against other Missouri banks before moving funds. Missouri banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.