Total Assets
$11.7B
Total balance-sheet footings
FDIC Cert #57358 · Saint Louis, Missouri · Est. 2002
Stifel Bank - FDIC Bank Health Profile
A community-scale look at Stifel Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $11.7B
- Total assets
- A
- Health grade · Excellent
- 1.49%
- Return on assets
- 11.8%
- Tier 1 capital
Data updated July 2026
The verdict
Stifel Bank earns a PlainBankData health grade of A (83/100), with well-capitalized at 11.84% Tier 1, profitable at 1.49% ROA, efficient (25% cost ratio).
- #146
- largest of 4,313 FDIC banks by assets
- 97th
- percentile by asset size, nationally
- 11.84%
- Tier 1 ratio - above the 10% well-capitalized line
- 74th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Stifel Bank's 83/100 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's composite health score
Tier 1 Capital Ratio (11.84%) 28/40
Return on Assets (ROA) (1.49%) 20/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (24.50%) 15/15
83 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$10.8B
Customer-funded liabilities
Net Loans
$7.7B
Outstanding loan book
Net Income
$171M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Stifel Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Stifel Bank's score of 83/100 falls in the highlighted band.
Stifel Bank'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's $11.7B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.84% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.84%
Texas Ratio
0.00%
Equity Capital
$813M
Profitability metrics
Return on Assets (ROA)
74th percentile nationally
1.49%
Return on Equity (ROE)
22.64%
Efficiency Ratio
24.50%
What the numbers say about Stifel Bank
Stifel Bank is an FDIC-insured institution (Certificate #57358) headquartered in Saint Louis, Missouri, established in 2002. It holds $11.7B in total assets - 146th of 4,313 FDIC-insured banks, $10.8B in customer deposits, and $7.7B in net loans. Capital-wise, the Tier 1 ratio sits at 11.84%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 0.00%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (83 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, Stifel Bank sits in the top decile of all FDIC-insured institutions by asset size (146th of 4,313), and within Missouri it ranks 6th of 198 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is First Bank, at $6.7B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$654M
Interest Income
$7M
Non-Interest Income
$76M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Stifel Bank reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - 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 by assets
Measured strictly by total assets rather than geography, Stifel Bank's closest national peers include Farmers and Merchants Bank of Long Be…, First Foundation Bank, LendingClub Bank, BancFirst, spanning 5 different states -- a reminder that at this scale, competition and comparison happen nationally, not just within Missouri. Averaged across this asset-matched cohort, return on assets runs 0.90% (Stifel Bank is above that at 1.49%), the efficiency ratio averages 64.36% (Stifel Bank runs leaner at 24.50%), and Tier 1 capital averages 15.09% (Stifel Bank holds less at 11.84%). None of this cohort competes on branch count alone -- balance-sheet scale, funding mix, and regulatory capital posture are the metrics that actually separate similarly-sized institutions.
At $11.7B in assets, Stifel Bank 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 (this bank) | MO | $11.7B | 1.49% | 24.50% | 11.84% |
| Farmers and Merchants Bank of Long Beach | CA | $11.8B | 0.59% | 68.39% | 18.84% |
| First Foundation Bank | CA | $11.9B | -1.10% | 97.13% | 13.97% |
| LendingClub Bank, National Association | UT | $11.5B | 1.22% | 62.52% | 15.47% |
| BancFirst | OK | $12.1B | 1.79% | 51.08% | 17.11% |
| First Commonwealth Bank | PA | $12.3B | 1.33% | 54.10% | 11.69% |
| Oriental Bank | PR | $12.4B | 1.59% | 52.92% | 13.44% |
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Stifel Bank (FDIC Cert #57358) - 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% |
| Stifel Bank and TrustSaint Louis | $19.4B | A | 1.82% |
| Enterprise Bank & TrustClayton | $17.3B | B | 1.29% |
| 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's health grade?▼
Stifel Bank receives a health grade of A (83/100) 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?▼
Stifel Bank holds $11.7B in total assets and $10.8B in deposits, ranking 146th of 4,313 FDIC-insured banks by asset size. It is headquartered in Saint Louis, Missouri.
Is my money safe at Stifel Bank?▼
Yes, deposits at Stifel Bank (Certificate #57358) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Stifel Bank's Tier 1 Capital Ratio?▼
Stifel Bank has a Tier 1 Capital Ratio of 11.84%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Stifel Bank?▼
Stifel Bank has a Texas Ratio of 0.00%. Staying under 50% is the level analysts treat as 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?▼
Stifel Bank has an Efficiency Ratio of 24.50%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Stifel Bank's profile as a depositor or analyst.
- Stifel Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Stifel Bank 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.