Headquartered in Saint Louis, Missouri, Stifel Bank and Trust is a state-chartered bank (fed member) with $19.6B in total assets and $17.5B in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 2002.
Stifel Bank and Trust has a TellerScore of 59 out of 100 (moderate) based on Q2 2026 data — higher than only 25% of its 132 banks with $10 billion – $100 billion. Among 194 banks headquartered in Missouri, it ranks 161st. Earnings contributes the most (94/100, 1.86%); capital cushion contributes the least (21/100, 7.07%).
TellerScore · Q2 2026
Scorecard
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 (60 → 59).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 67 |
| Q3 2024 | 63 |
| Q4 2024 | 61 |
| Q1 2025 | 59 |
| Q2 2025 | 60 |
| Q3 2025 | 60 |
| Q4 2025 | 59 |
| Q1 2026 | 60 |
| Q2 2026 | 59 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 7.10% |
| Q3 2024 | 7.10% |
| Q4 2024 | 7.06% |
| Q1 2025 | 7.07% |
| Q2 2025 | 7.03% |
| Q3 2025 | 7.08% |
| Q4 2025 | 7.02% |
| Q1 2026 | 7.06% |
| Q2 2026 | 7.07% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.64% |
| Q3 2024 | 1.03% |
| Q4 2024 | 1.11% |
| Q1 2025 | 1.19% |
| Q2 2025 | 1.11% |
| Q3 2025 | 1.08% |
| Q4 2025 | 1.14% |
| Q1 2026 | 1.05% |
| Q2 2026 | 1.09% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.09% |
| Q3 2024 | 2.06% |
| Q4 2024 | 1.99% |
| Q1 2025 | 1.79% |
| Q2 2025 | 1.84% |
| Q3 2025 | 1.85% |
| Q4 2025 | 1.82% |
| Q1 2026 | 1.77% |
| Q2 2026 | 1.86% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 59 | $19.6B | 7.07% | 1.09% | 1.86% | 86.4% |
| Q1 2026 | 60 | $20.1B | 7.06% | 1.05% | 1.77% | 80.9% |
| Q4 2025 | 59 | $19.4B | 7.02% | 1.14% | 1.82% | 83.1% |
| Q3 2025 | 60 | $19.7B | 7.08% | 1.08% | 1.85% | 81.9% |
| Q2 2025 | 60 | $18.5B | 7.03% | 1.11% | 1.84% | 84.1% |
| Q1 2025 | 59 | $19.5B | 7.07% | 1.19% | 1.79% | 81.4% |
| Q4 2024 | 61 | $19.5B | 7.06% | 1.11% | 1.99% | 79.6% |
| Q3 2024 | 63 | $18.8B | 7.10% | 1.03% | 2.06% | 80.4% |
| Q2 2024 | 67 | $18.0B | 7.10% | 0.64% | 2.09% | 80.4% |
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).
Similar-size banks in Missouri
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Central Trust BankBank Jefferson City, MO | 69 out of 100, Moderate | $20.3B | 7.9% | 0.49% | vs |
| Enterprise Bank & TrustBank Clayton, MO | 61 out of 100, Moderate | $17.4B | 9.9% | 0.98% | vs |
| Stifel BankBank Saint Louis, MO | 69 out of 100, Moderate | $14.6B | 7.1% | 0.06% | vs |
| Commerce BankBank Kansas City, MO | 76 out of 100, Strong | $35.0B | 11.4% | 0.17% | vs |
| UMB Bank, National AssociationBank Kansas City, MO | 65 out of 100, Moderate | $71.9B | 8.9% | 0.34% | vs |
Deposit insurance
Is my money safe at Stifel Bank and Trust?
Yes. Stifel Bank and Trust is an FDIC-insured institution (FDIC certificate #57311). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 17.1% of deposits ($3.0B) 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 7.07%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.77% (benchmark: 10%).
2 locations
Branches
Stifel Bank and Trust lists 2 offices in 1 city. Most locations:
- Saint Louis, MO (2)
HMDA 2025
Mortgage lending
In 2025, Stifel Bank and Trust reported 5,117 home-loan applications under HMDA (LEI CKVBED0S4DMLKJJ5XH28): 4,497 originated ($2,486,455,000 total), 109 denied, and 446 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.3%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Stifel Bank and Trust
- Former names
- FirstService Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 57311
- RSSD ID
- 3076248
- Primary regulator
- FED
- Holding company
- Stifel Financial Corp
- Established
- April 16, 2002
- Headquarters
- 501 N Broadway, Saint Louis, MO 63102
- Website
- www.stifelbank.com
- Employees
- 329
Quick answers
Stifel Bank and Trust: common questions
Is Stifel Bank and Trust FDIC insured?
Yes. Stifel Bank and Trust is an FDIC-insured institution (FDIC certificate #57311). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Stifel Bank and Trust's TellerScore?
59 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 and Trust ever failed?
There is no failure record for FDIC certificate #57311 in the FDIC failed bank list.
How many branches does Stifel Bank and Trust have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Saint Louis
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Edward Jones Trust CompanyBank Saint Louis, MO | 94 out of 100, Very strong | $160.5M | 98.2% | 0.00% | vs |
| Lindell Bank & Trust CompanyBank St. Louis, MO | 92 out of 100, Very strong | $915.2M | 18.0% | 0.58% | vs |
| Co - Lib Credit UnionCredit union Saint Louis, MO | 91 out of 100, Very strong | $1.4M | 15.5% | 0.82% | vs |
| Division #6 Highway Credit UnionCredit union Chesterfield, MO | 88 out of 100, Very strong | $15.7M | 17.9% | 0.24% | vs |
| Century Credit UnionCredit union Saint Louis, MO | 87 out of 100, Very strong | $182.0M | 17.6% | 0.37% | vs |
| Jm Associates Federal Credit UnionCredit union Jacksonville, FL | 87 out of 100, Very strong | $151.2M | 15.5% | 0.71% | vs |