BlastPoint's Banking Scorecard
Stifel Bank
Mid-Market
Specialty: Other
MO
FDIC cert 57358
Saint Louis, MO
201
banks in Mid-Market tier nationally
7 in MO
View Mid-Market leaderboard (MO) →
Stifel Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 32.10% below tier
- + Delinquency Rate 0.68% below tier
- + Nonperforming Asset Ratio 0.50% below tier
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 17.22% below tier
- - Non-Interest Income / Assets 0.90% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$11.7B
+8.8% YoY
-1.9% QoQ
|
+$1.3B |
$10.5B
+2.9% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
71% |
| Total Loans ? |
$7.7B
+10.3% YoY
+6.5% QoQ
|
+$531.7M |
$7.1B
+4.5% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
70% |
| Total Deposits ? |
$10.8B
+8.6% YoY
-2.9% QoQ
|
+$2.3B |
$8.5B
+3.0% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
77% |
| Return on Assets ? |
1.49%
-1.1% YoY
-0.9% QoQ
|
+0.33% |
1.16%
+9.4% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
74% |
| Net Interest Margin ? |
2.67%
+1.9% YoY
+0.6% QoQ
|
-0.72% |
3.40%
+7.9% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
19% |
| Efficiency Ratio ? |
24.50%
+11.6% YoY
+10.1% QoQ
|
-32.10% |
56.60%
-3.2% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? |
0.00%
-93.0% YoY
-96.6% QoQ
|
-0.68% |
0.68%
+12.0% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
Top 4% in tier |
| Loan-to-Deposit Ratio ? |
70.91%
+1.6% YoY
+9.7% QoQ
|
-14.57% |
85.47%
+1.1% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
3.42%
-0.8% YoY
-9.6% QoQ
|
-17.22% |
20.64%
-0.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 8% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-92.9% YoY
-96.3% QoQ
|
-0.50% |
0.50%
+7.3% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
Top 5% in tier |
| Tier 1 Capital Ratio ? |
11.84%
-8.8% YoY
-3.3% QoQ
|
-1.71% |
13.55%
+1.8% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
28% |
| Non-Interest Income / Assets ? |
0.06%
+32.2% YoY
+34.3% QoQ
|
-0.90% |
0.96%
+7.1% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
Bottom 2% in tier |
Signature Analysis
Strengths (3)
Efficiency Ratio
metric
Top 1%
in Mid-Market
Why this stands out
Current:
24.50%
(Tier avg: 56.60%, National avg: 65.09%)
Delinquency Rate
metric
Top 4%
in Mid-Market
Why this stands out
Current:
0.00%
(Tier avg: 0.68%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 5%
in Mid-Market
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (2)
Non-Interest-Bearing Deposit Share
metric
Bottom 8%
in Mid-Market
Why this stands out
Current:
3.42%
(Tier avg: 20.64%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 2%
in Mid-Market
Why this stands out
Current:
0.06%
(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
99
99th pctile
Efficiency Ratio
Current: 24.50% · Tier avg: 56.60%
96
96th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.68%
95
95th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
84
84th pctile
Loan-to-Deposit Ratio
Current: 70.91% · Tier avg: 85.47%
77
77th pctile
Total Deposits
Current: $10.8B · Tier avg: $8.5B
74
74th pctile
Return on Assets
Current: 1.49% · Tier avg: 1.16%
71
71th pctile
Total Assets
Current: $11.7B · Tier avg: $10.5B
70
70th pctile
Total Loans
Current: $7.7B · Tier avg: $7.1B
28
28th pctile
Tier 1 Capital Ratio
Current: 11.84% · Tier avg: 13.55%
19
19th pctile
Net Interest Margin
Current: 2.67% · Tier avg: 3.40%
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 3.42% · Tier avg: 20.64%
2
2th pctile
Non-Interest Income / Assets
Current: 0.06% · Tier avg: 0.96%
Top Weaknesses
2
2th pctile
Non-Interest Income / Assets
Current: 0.06% · Tier avg: 0.96%
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 3.42% · Tier avg: 20.64%
19
19th pctile
Net Interest Margin
Current: 2.67% · Tier avg: 3.40%
28
28th pctile
Tier 1 Capital Ratio
Current: 11.84% · Tier avg: 13.55%
70
70th pctile
Total Loans
Current: $7.7B · Tier avg: $7.1B
71
71th pctile
Total Assets
Current: $11.7B · Tier avg: $10.5B
74
74th pctile
Return on Assets
Current: 1.49% · Tier avg: 1.16%
77
77th pctile
Total Deposits
Current: $10.8B · Tier avg: $8.5B
84
84th pctile
Loan-to-Deposit Ratio
Current: 70.91% · Tier avg: 85.47%
95
95th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
96
96th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.68%
99
99th pctile
Efficiency Ratio
Current: 24.50% · Tier avg: 56.60%