BlastPoint's Banking Scorecard
Stifel Trust Company, National Association
Community
Specialty: Other
MO
FDIC cert 33785
Saint Louis, MO
1484
banks in Community tier nationally
62 in MO
View Community leaderboard (MO) →
Stifel Trust Company, National Association has 5 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 3% in Community
- + Return on Assets 2.08% above tier
- + Efficiency Ratio 25.45% below tier
- + Nonperforming Asset Ratio 0.50% below tier
- + Tier 1 Capital Ratio 30.88% above tier
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 21.05% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$924.9M
+2.2% YoY
-0.1% QoQ
|
-$466.6M |
$1.4B
+2.0% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
44% |
| Total Loans ? | $0 | -$975.5M |
$975.5M
+2.4% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
Bottom 1% in tier |
| Total Deposits ? |
$847.1M
-0.3% YoY
-0.1% QoQ
|
-$317.5M |
$1.2B
+1.7% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
51% |
| Return on Assets ? |
3.24%
-8.0% YoY
-0.3% QoQ
|
+2.08% |
1.16%
+17.2% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
4.36%
-7.7% YoY
+1.1% QoQ
|
+0.70% |
3.66%
+9.1% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
83% |
| Efficiency Ratio ? |
37.18%
+4.2% YoY
+0.1% QoQ
|
-25.45% |
62.63%
-5.3% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 3% in tier |
| Delinquency Rate ? | - | - |
0.63%
+18.3% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
- |
| Loan-to-Deposit Ratio ? | 0.00% | -83.06% |
83.06%
+0.3% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
- |
| Non-Interest-Bearing Deposit Share ? | 0.00% | -21.05% |
21.05%
-0.9% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 1% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.50% |
0.50%
+20.3% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
41.12%
-1.7% YoY
-14.0% QoQ
|
+30.88% |
10.24%
-0.6% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
2.84%
+7.5% YoY
+37.3% QoQ
|
+2.10% |
0.74%
-1.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
Top 3% in tier |
Signature Analysis
Strengths (5)
Revenue Diversifier
growth
#11 of 371 · Top 3% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
2.84%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
3.24%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank declining
Return on Assets
metric
Top 1%
in Community
Why this stands out
Current:
3.24%
(Tier avg: 1.16%, National avg: 1.12%)
Efficiency Ratio
metric
Top 3%
in Community
Why this stands out
Current:
37.18%
(Tier avg: 62.63%, National avg: 65.09%)
Nonperforming Asset Ratio
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 1%
in Community
Why this stands out
Current:
41.12%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 21.05%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Tier 1 Capital Ratio
Current: 41.12% · Tier avg: 10.24%
99
99th pctile
Return on Assets
Current: 3.24% · Tier avg: 1.16%
97
97th pctile
Non-Interest Income / Assets
Current: 2.84% · Tier avg: 0.74%
97
97th pctile
Efficiency Ratio
Current: 37.18% · Tier avg: 62.63%
83
83th pctile
Net Interest Margin
Current: 4.36% · Tier avg: 3.66%
51
51th pctile
Total Deposits
Current: $847.1M · Tier avg: $1.2B
44
44th pctile
Total Assets
Current: $924.9M · Tier avg: $1.4B
0
0th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 21.05%
0
0th pctile
Total Loans
Current: $0 · Tier avg: $975.5M
Top Weaknesses
0
0th pctile
Total Loans
Current: $0 · Tier avg: $975.5M
0
0th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 21.05%
44
44th pctile
Total Assets
Current: $924.9M · Tier avg: $1.4B
51
51th pctile
Total Deposits
Current: $847.1M · Tier avg: $1.2B
83
83th pctile
Net Interest Margin
Current: 4.36% · Tier avg: 3.66%
97
97th pctile
Efficiency Ratio
Current: 37.18% · Tier avg: 62.63%
97
97th pctile
Non-Interest Income / Assets
Current: 2.84% · Tier avg: 0.74%
99
99th pctile
Return on Assets
Current: 3.24% · Tier avg: 1.16%
100
100th pctile
Tier 1 Capital Ratio
Current: 41.12% · Tier avg: 10.24%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%