# STIFEL BANK
SAINT LOUIS, MO · FDIC certificate 57358 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *lender to lenders*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $14.62B | |
| Deposits | $13.67B | |
| Loans and leases | $9.96B | |
| Total equity | $913.9M | |
| Loans / deposits | 72.60% (p20 of band) | 85.78% |
| Liquid assets / assets | 30.75% (p76 of band) | |
| Uninsured deposits / deposits | 12.49% (p15 of band) | 38.39% |
| Brokered deposits | 22.71% | |
| Wholesale funding | 22.71% (p89 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.06% (p6 of band) | 10.17% |
| Unrealized securities loss / equity | -5.61% (p63 of band) | -7.43% |
| AOCI / equity | -0.28% (p54 of band) | |
| ROA (annualized) | 1.38% (p62 of band) | 1.24% |
| Net interest margin | 2.62% (p16 of band) | 3.57% |
| Efficiency ratio | 29.14% (p11 of band) | |
| Noncurrent loans | 0.06% (p6 of band) | 0.66% |
| Net charge-offs (annualized) | 0.00% (p6 of band) | |
| Reserve coverage of noncurrent | 634.61% | |
| Real estate % of loans | 12% | |
| Construction % of loans | 0.00% (p6 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $4.84B (530% of equity) (p100 of band) | |
| Deposits YoY | 27.4% | |
| Employees | 112 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **loans-to-lenders >50% equity** (`conc_warehouse`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | brokered >10%, wholesale funding >15%, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 3 |  | construction >100% equity |
| 2011-12 | 3 |  |  |
| 2012-03 | 5 | deposits shrinking, assets shrinking |  |
| 2012-06 | 3 |  | deposits shrinking, assets shrinking |
| 2012-09 | 2 |  | reserve under noncurrent |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 3 | capital falling |  |
| 2013-09 | 2 |  | capital falling |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 3 | capital falling |  |
| 2015-03 | 3 |  |  |
| 2015-06 | 2 |  | capital falling |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 4 | capital falling, charge-offs p90 |  |
| 2017-06 | 2 |  | capital falling, charge-offs p90 |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 5 | losing money, expense ratio p90, NIM <2.5% |  |
| 2018-12 | 1 |  | brokered >10%, wholesale funding >15%, losing money, expense ratio p90 |
| 2019-03 | 1 | capital falling | NIM <2.5% |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | capital falling |
| 2020-03 | 1 | securities losses >30% of equity |  |
| 2020-06 | 0 |  | securities losses >30% of equity |
| 2020-09 | 1 | NIM <2.5% |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | capital falling |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 4 | AOCI drag >20% of equity, securities losses >30% of equity, uninsured deposits leaving |  |
| 2022-09 | 3 |  | NIM <2.5% |
| 2022-12 | 2 |  | uninsured deposits leaving |
| 2023-03 | 1 | NIM <2.5% | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | capital falling |  |
| 2023-12 | 1 |  | capital falling |
| 2024-03 | 1 |  |  |
| 2024-06 | 0 |  | NIM <2.5% |
| 2024-09 | 1 | capital falling |  |
| 2024-12 | 3 | deposits shrinking, assets shrinking |  |
| 2025-03 | 0 |  | capital falling, deposits shrinking, assets shrinking |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 2 | capital falling, loans-to-lenders >50% equity |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 3 | brokered >10%, wholesale funding >15% | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-14 [Five St. Louis banks, federal home loan bank donate $610K for tornado recovery efforts - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNaFRVMnY0LUFHWUFxcWhJbXZ6MDgzZk52eThWTTFXRFpFM1pBOHRJdnBNQjFtbThXbEk1VDVMekNSenJQby0wUXN5Z3J0MnZ1ZU56RTFsUFItR2tMUEEyZHFSRXh1Yml0alE3c25kc3RXUjlQWENsZ2laYnhhWHpQSUdDV1BJSGVYekYxcENKeEtCeUZXaTJNNmVOSGJPb0ZySFl6Vnh6dUZyZw?oc=5) · The Business Journals
- 2025-05-13 [Snowboard, Stifel Extend Groundbreaking Title Partnership Through 2034 - U.S. Ski & Snowboard](https://news.google.com/rss/articles/CBMitgFBVV95cUxOVjlaZmYtbEl3M1NBMUZZb253cGNYcmxRYTFDcVB1SjYyUXJqRTdfMU1uRFVjcldSaGgwNkszOXRtX3JZWUttRlNXSEY3Qk9xaHdCd3N0SHBxYUdQS0NPZ1pGeWcyTE5HV0pzRXkyTzRFQzFGQU5mMjdjVzJFdnlJRi1DcXhyOGVZYjlTQ0xQUzBuSEVUX2hSNHZZcjkyRkxXX243b2dHZkg5RHI4eDVFelZmVnlzZw?oc=5) · U.S. Ski &amp; Snowboard
- 2023-04-05 [Minh Le, former Silicon Valley Bank leader in Seattle, joins Stifel Bank as managing director - GeekWire](https://news.google.com/rss/articles/CBMivwFBVV95cUxNXzBBX0pkTEpxQk91dGtGMWxsbDF0dXdLTmVQTVlpRHFBZ182UWt2dVNMdDl3ZEdTeURFVjF5eS1VSEhjQWJlSVFBMUw4V2pIOFZIQnNCb3NTZE1jZXlORUlWVnRoNWFTWkRlM09hU2dGdGhPdGc4dGJLOEVCeXI1ZnBqTTFlYURvWVdWbnNQbTUyOTNPeWdHTTd1bGMzOHNjTVpYSTRVVk0yS1BJZDV4cUZ0N0owbWo3VFFGTUxuOA?oc=5) · GeekWire
- 2025-09-23 [Stifel Expands Venture Banking Team to Accelerate Growth in Life Sciences and Healthcare Sectors - Yahoo Finance](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOekdiRVVnMU1xSU42NFJwNXRYaXNzRnJWM3Q0amRkYVRuYk5DQUlLeUQwV0F6WnQ2TUhMQ3FSdmlYTG9xY0pNcXNPN08tNTk1ZzQ0NE9DOVRIekJzWTBTSjlFbm1MbXBvSU9BdmdTc2NqWG1ZdDlRdm1BOWdHV0pKTS00NWV1QjhE?oc=5) · Yahoo Finance
- 2025-09-13 [Jon Broden joins Stifel as Financial Advisor, Transitioning from Real Estate to Wealth Management - Grand Forks Herald](https://news.google.com/rss/articles/CBMigwJBVV95cUxQUGJ1em1XOFFjRDNqTGxuUmFieWpRVDRrbGxQZ2ZsUzBSQVZLQUZxS0tCTWZUZllQVUFVWmszVl82YTRSSHp4enZYUXI1eFRxUDRKQWdIdWk4Q0plODl3Zlk1NzZYR3M5UmkwS2c4S2Nfb1dTUUNLQ090cTNiSnlaN181QXBfc1NqMGx0VkVTWFVISXA5YTY0TXpnU1ZnclZNVGphdDh4YWpTRjBEejlhcmREZl9YbnJBeW8zbW96NVpOb2tWdlM0amppNDBkZldNRk9mTTBuZ1J1V19SQm9KTmlrall0em44aHN1TGtyUF9DaV9HVU5Va2xxZnViVFNGQXQ4?oc=5) · Grand Forks Herald
- 2025-03-20 [Stifel Hit With Class Action Suit Over Cash Sweeps - ThinkAdvisor](https://news.google.com/rss/articles/CBMilgFBVV95cUxQRlZZVXhfTW82bklJWWwxZVVmaTR2UC0yWEpDV2JKQVl2YWR3RDIzQTR3dzRPdlhmbDRvQ1lsc3NKOENxV21jZWYyZC1TaFRtQlh0aXdTb1VWVzh0TkQ3S0VwazlNN040YzJRbTFLRVR1clhCVGhTVjgwVkZFU0VtNGliQmNTUEw0Vk1NZk9VTlZ4YzRlcUE?oc=5) · ThinkAdvisor
- 2025-11-20 [Stifel Financial Corp. Reports Record Highs in Client Assets and Treasury Deposits for October 2025 - Quiver Quantitative](https://news.google.com/rss/articles/CBMizAFBVV95cUxPa0VaX09nQVZpdXVhM1lMWFc4bjBxRkV1ajVBRG1FZUlObXgyVVctUUNyNHc4VFdzcjJydGpZZ3FKeUNCcDZoeU42R05GSVZvTXZtWkJPTHNoVkZFS3phS3lPamREbTdXZm01Z041UTFXOUhwN0w5QU84UTQ2X2hfY2hKWjVMVzJmWWl1a3l2ODMtWEtfVGFKMEtGQ0UxVnprZmdIM0owY0NGMkE1Rk5lSTYydFh5Nk5sUnVjbXl2bUQ4SzJNaEpUMFN5N2M?oc=5) · Quiver Quantitative
- 2021-02-25 [5 St. Louis-area banks rank among 10 best performers in Missouri - KSDK](https://news.google.com/rss/articles/CBMi3wFBVV95cUxOSUJTYjRMaDlyeHdXV0w5U3ZTOTVnQ1I1MjBnZTVlVS1sbkVVWUdNY29jNW1QRm12NU4xZ1lUc05nTDB2dVphN1BlU2NzRlN5U3NGSFRaNWhsZFNVdGlxUF9sd1c4R3VuMEFGbXNoNlg1b0s5Zm5PRnpjS1o4TDNreDhtRlU4NE1HQ3dzVlZkM1JYWEx3WGY0cjBGOExqYXU4S25DcU9hVlRJMUpNd0FkeGE4bi1XQkFwV2tzSkFsZ25XZ09sZ2xOYkEwS01QYU5LdHl0LW05bVN0VmpsSVBv?oc=5) · KSDK

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57358 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/14.json (key "57358", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide