TellerScore

Stifel Bank is a state-chartered bank (fed member) headquartered in Saint Louis, Missouri, in business for about 24 years. At the end of Q2 2026 it reported $14.6B in total assets and $13.7B in deposits, with 1 office.

Based on its Q2 2026 filing, Stifel Bank scores 69/100, which we describe as moderate. That is higher than 69% of 132 banks with $10 billion – $100 billion. Among 194 banks headquartered in Missouri, it ranks 110th. Its strongest component is problem-loan coverage (99/100; 0.6%), and its lowest is capital cushion (21/100; 7.06%).

TellerScore · Q2 2026

Scorecard

Capital cushion21/100
Tier 1 leverage ratio: 7.06%
Loan quality98/100
Noncurrent loans ÷ total loans: 0.06%
Earnings75/100
Return on assets (annualized): 1.38%
Funding & liquidity88/100
Loans ÷ deposits and uninsured-deposit share: 72.6% · 12.5% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.60%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (70 → 69).

TellerScore
697071Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202470
Q4 202470
Q1 202571
Q2 202570
Q3 202571
Q4 202571
Q1 202671
Q2 202669
Tier 1 leverage ratio
5.00%6.07%7.13%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20247.13%
Q3 20247.09%
Q4 20247.09%
Q1 20257.12%
Q2 20257.13%
Q3 20257.12%
Q4 20257.11%
Q1 20267.04%
Q2 20267.06%
Noncurrent loans
0.00%0.03%0.06%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.02%
Q2 20260.06%
Return on assets
1.38%1.44%1.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.40%
Q3 20241.45%
Q4 20241.51%
Q1 20251.50%
Q2 20251.46%
Q3 20251.50%
Q4 20251.49%
Q1 20261.49%
Q2 20261.38%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$14.6B7.06%0.06%1.38%72.6%
Q1 202671$12.1B7.04%0.02%1.49%66.6%
Q4 202571$11.7B7.11%0.00%1.49%70.9%
Q3 202571$12.0B7.12%0.00%1.50%64.7%
Q2 202570$11.5B7.13%0.00%1.46%70.0%
Q1 202571$11.5B7.12%0.00%1.50%64.3%
Q4 202470$10.8B7.09%0.00%1.51%69.8%
Q3 202470$10.5B7.09%0.00%1.45%68.8%
Q2 202470$10.5B7.13%0.00%1.40%67.7%

132 peers · $10 billion – $100 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio7.06%
5th
Total risk-based capital11.24%
5th
Problem loans0.06%
95th
Net charge-offs-0.00%
95th
Return on assets1.38%
61st
Net interest margin2.62%
15th
Efficiency ratio29.1%
90th
Loans to deposits72.6%
81st
Uninsured deposits12.5%
85th
Loan-loss reserves0.36%
10th
Texas ratio0.6%
93rd

Similar-size banks in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
Enterprise Bank & TrustBank Clayton, MO61 out of 100, Moderate$17.4B9.9%0.98%vs
Stifel Bank and TrustBank Saint Louis, MO59 out of 100, Moderate$19.6B7.1%1.09%vs
The Central Trust BankBank Jefferson City, MO69 out of 100, Moderate$20.3B7.9%0.49%vs
Commerce BankBank Kansas City, MO76 out of 100, Strong$35.0B11.4%0.17%vs
UMB Bank, National AssociationBank Kansas City, MO65 out of 100, Moderate$71.9B8.9%0.34%vs

Deposit insurance

Is my money safe at Stifel Bank?

Yes. Stifel Bank is an FDIC-insured institution (FDIC certificate #57358). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 12.5% of deposits ($1.7B) are above the $250,000 FDIC insurance limit, below the peer median of 38%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 7.06%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.24% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Stifel Bank lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Stifel Bank
Former names
The Business Bank of Saint Louis
Type
State-chartered bank (Fed member)
FDIC certificate #
57358
RSSD ID
3076220
Primary regulator
FED
Holding company
Stifel Financial Corp
Established
May 16, 2002
Headquarters
501 N Broadway, Saint Louis, MO 63102
Employees
112

Quick answers

Stifel Bank: common questions

Is Stifel Bank FDIC insured?

Yes. Stifel Bank is an FDIC-insured institution (FDIC certificate #57358). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Stifel Bank's TellerScore?

69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Stifel Bank ever failed?

There is no failure record for FDIC certificate #57358 in the FDIC failed bank list.

How many branches does Stifel Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Saint Louis

InstitutionScoreAssetsCapitalProblem loansCompare
Edward Jones Trust CompanyBank Saint Louis, MO94 out of 100, Very strong$160.5M98.2%0.00%vs
Lindell Bank & Trust CompanyBank St. Louis, MO92 out of 100, Very strong$915.2M18.0%0.58%vs
Co - Lib Credit UnionCredit union Saint Louis, MO91 out of 100, Very strong$1.4M15.5%0.82%vs
Division #6 Highway Credit UnionCredit union Chesterfield, MO88 out of 100, Very strong$15.7M17.9%0.24%vs
Century Credit UnionCredit union Saint Louis, MO87 out of 100, Very strong$182.0M17.6%0.37%vs
Jm Associates Federal Credit UnionCredit union Jacksonville, FL87 out of 100, Very strong$151.2M15.5%0.71%vs