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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 57311 · MO A · 84/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-LARGE · BOOK-FULL

  • GRADE-A A (84/100)
  • MID-PACK #1408/4307
  • PHOTO-FINISH Sanibel Captiva Comm… · FL
  • TIER1-WELL 11.2% Tier 1
  • TEXAS-CLEAN 11.9% Texas
  • ROA-STRONG 1.82% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Missouri: Sanibel Captiva Community Bank, FL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Stifel Bank and Trust

Lowest and highest poles plus nearest scored peers outside Missouri, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Community Bank of Ge… · GA ·…84/100Prime Alliance Bank · UT · n…84/100Sanibel Captiva Comm… · FL ·…84/100ServisFirst Bank · AL · near84/100Stifel Bank and Trust · MO ·…84/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Stifel Bank and Trust · July 2026

Call Report read for Stifel Bank and Trust in a high-failure state

Stifel Bank and Trust (FDIC Cert #57311) carries a PlainBankData health grade of A at 84/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,408 of 4,307. Tier 1 capital prints at 11.18%, clearing the 10% well-capitalized line. The Texas Ratio is 11.88%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.82%. Balance-sheet scale is $19.4B, 104th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Sanibel Captiva Community Bank (FL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Stifel Bank and Trust

16 FAILURE resolutions in Missouri since 2000, heavy vs the state corpus

Stifel Bank and Trust sits in one of the heavier post-2000 FAILURE states (16 resolutions; latest year 2012). The list below is state history from the Failed Bank List, not a claim about Stifel Bank and Trust's current Call Report.

  • TRUMAN BANK ST. LOUIS, MO 2012 → SIMMONS FIRST NATIONAL BANK
  • GLASGOW SAVINGS BANK GLASGOW, MO 2012 → REGIONAL MISSOURI BANK
  • COMMUNITY BANK OF THE OZARKS SUNRISE, MO 2012 → BANK OF SULLIVAN

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Missouri banks.

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.

0/100100/100National avg77/10084/100
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 Assets

$19.4B

Total balance-sheet footings

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

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.78% 11.18% 12.58%
Basel III capital ratios - Stifel Bank and Trust

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

84 Top 33% higher than 67% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Stifel Bank and Trust 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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.

Capital & credit buffers at Stifel Bank and Trust

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

What these ratios mean →

Earnings posture at Stifel Bank and Trust

Return on Assets (ROA)
86th percentile nationally
1.82%
Return on Equity (ROE)
26.13%
Efficiency Ratio
27.28%

What these mean →

Income & expense at Stifel Bank and Trust

$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.

FDIC Failed Bank List → View Stifel Bank and Trust on FDIC BankFind →

Top banks in Missouri by total assets

Largest banks headquartered in Missouri
  1. 1
    UMB Bank $72.8B

    Kansas City, MO · Grade A

  2. 2
    Commerce Bank $32.7B

    Kansas City, MO · Grade A

  3. 3
    The Central Trust Bank $20.8B

    Jefferson City, MO · Grade A

  4. 4
    Stifel Bank and Trust $19.4B

    Saint Louis, MO · Grade A

  5. 5
    Enterprise Bank & Trust $17.3B

    Clayton, MO · Grade B

Top 5 banks in Missouri ranked by total assets · FDIC Call Report Q4 2025.

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.

Closest banks to Stifel Bank and Trust nationally by total assets
  1. 1
    Merchants Bank of Indiana $19.4B

    Carmel, IN · Grade A

  2. 2
    Apple Bank $19.2B

    New York, NY · Grade C

  3. 3
    TowneBank $19.7B

    Portsmouth, VA · Grade B

  4. 4
    FirstBank Puerto Rico $19.1B

    Santurce, PR · Grade A

  5. 5
    First Merchants Bank $19.0B

    Muncie, IN · Grade A

  6. 6
    Trustmark Bank $18.9B

    Jackson, MS · Grade B

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 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%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($19.4B here), outside Missouri so the neighborhood is not state containment.

Merchants Bank of Indiana $19.4B · IN Apple Bank $19.2B · NY TowneBank $19.7B · VA FirstBank Puerto Rico $19.1B · PR

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.

Stifel Bank and Trust Call Report profile · FDIC Failed Bank List · Missouri FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Missouri

All Missouri banks →
BankAssetsGradeROA
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%