BlastPoint's Banking Scorecard
Stifel Bank and Trust
Mid-Market
Specialty: Other
MO
FDIC cert 57311
Saint Louis, MO
201
banks in Mid-Market tier nationally
7 in MO
View Mid-Market leaderboard (MO) →
Stifel Bank and Trust has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 29.32% below tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 12% in Mid-Market
- - Capital Thin: Bottom 38% in Mid-Market
- - Margin Compression: Bottom 72% in Mid-Market
- - Non-Interest-Bearing Deposit Share 20.34% below tier
- - Non-Interest Income / Assets 0.83% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$19.4B
-0.5% YoY
-1.3% QoQ
|
+$9.0B |
$10.5B
+2.9% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
Top 9% in tier |
| Total Loans ? |
$14.8B
+3.3% YoY
+1.4% QoQ
|
+$7.7B |
$7.1B
+4.5% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
Top 5% in tier |
| Total Deposits ? |
$17.9B
-1.0% YoY
-0.1% QoQ
|
+$9.3B |
$8.5B
+3.0% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
Top 6% in tier |
| Return on Assets ? |
1.82%
-8.1% YoY
-1.3% QoQ
|
+0.66% |
1.16%
+9.4% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 12% in tier |
| Net Interest Margin ? |
3.47%
-1.3% YoY
+0.6% QoQ
|
+0.07% |
3.40%
+7.9% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
50% |
| Efficiency Ratio ? |
27.28%
+7.6% YoY
-0.1% QoQ
|
-29.32% |
56.60%
-3.2% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 3% in tier |
| Delinquency Rate ? |
1.15%
+2.4% YoY
+5.2% QoQ
|
+0.46% |
0.68%
+12.0% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
83.14%
+4.4% YoY
+1.5% QoQ
|
-2.33% |
85.47%
+1.1% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
0.30%
+7.6% YoY
-15.2% QoQ
|
-20.34% |
20.64%
-0.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 3% in tier |
| Nonperforming Asset Ratio ? |
0.88%
+6.4% YoY
+8.2% QoQ
|
+0.38% |
0.50%
+7.3% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
18% |
| Tier 1 Capital Ratio ? |
11.18%
+0.9% YoY
+0.9% QoQ
|
-2.37% |
13.55%
+1.8% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
16% |
| Non-Interest Income / Assets ? |
0.13%
-39.9% YoY
+7.3% QoQ
|
-0.83% |
0.96%
+7.1% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
Bottom 4% in tier |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 3%
in Mid-Market
Why this stands out
Current:
27.28%
(Tier avg: 56.60%, National avg: 65.09%)
Concerns (5)
Credit Risk Growth
risk
#11 of 87 · Bottom 12% in Mid-Market
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
87 of 87 Mid-Market banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Capital Thin
risk
#20 of 51 · Bottom 38% in Mid-Market
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
11.18%
(Tier: 13.55%, National: 9.75%)
51 of 51 Mid-Market banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Margin Compression
decline
#14 of 19 · Bottom 72% in Mid-Market
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
1.82%
(Tier: 1.16%, National: 1.12%)
19 of 19 Mid-Market banks match
·
147 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Non-Interest-Bearing Deposit Share
metric
Bottom 3%
in Mid-Market
Why this stands out
Current:
0.30%
(Tier avg: 20.64%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 4%
in Mid-Market
Why this stands out
Current:
0.13%
(Tier avg: 0.96%, National avg: 0.65%)
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
97
97th pctile
Efficiency Ratio
Current: 27.28% · Tier avg: 56.60%
95
95th pctile
Total Loans
Current: $14.8B · Tier avg: $7.1B
94
94th pctile
Total Deposits
Current: $17.9B · Tier avg: $8.5B
91
91th pctile
Total Assets
Current: $19.4B · Tier avg: $10.5B
88
88th pctile
Return on Assets
Current: 1.82% · Tier avg: 1.16%
62
62th pctile
Loan-to-Deposit Ratio
Current: 83.14% · Tier avg: 85.47%
50
50th pctile
Net Interest Margin
Current: 3.47% · Tier avg: 3.40%
20
20th pctile
Delinquency Rate
Current: 1.15% · Tier avg: 0.68%
18
18th pctile
Nonperforming Asset Ratio
Current: 0.88% · Tier avg: 0.50%
16
16th pctile
Tier 1 Capital Ratio
Current: 11.18% · Tier avg: 13.55%
4
4th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.96%
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 0.30% · Tier avg: 20.64%
Top Weaknesses
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 0.30% · Tier avg: 20.64%
4
4th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.96%
16
16th pctile
Tier 1 Capital Ratio
Current: 11.18% · Tier avg: 13.55%
18
18th pctile
Nonperforming Asset Ratio
Current: 0.88% · Tier avg: 0.50%
20
20th pctile
Delinquency Rate
Current: 1.15% · Tier avg: 0.68%
50
50th pctile
Net Interest Margin
Current: 3.47% · Tier avg: 3.40%
62
62th pctile
Loan-to-Deposit Ratio
Current: 83.14% · Tier avg: 85.47%
88
88th pctile
Return on Assets
Current: 1.82% · Tier avg: 1.16%
91
91th pctile
Total Assets
Current: $19.4B · Tier avg: $10.5B
94
94th pctile
Total Deposits
Current: $17.9B · Tier avg: $8.5B
95
95th pctile
Total Loans
Current: $14.8B · Tier avg: $7.1B
97
97th pctile
Efficiency Ratio
Current: 27.28% · Tier avg: 56.60%