# STIFEL TRUST CO DELAWARE NA
GREENVILLE, DE · FDIC certificate 59043 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. 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 | $329.5M | |
| Deposits | $302.1M | |
| Loans and leases | $0 | |
| Total equity | $25.5M | |
| Loans / deposits | 0.00% (p0 of band) | 82.04% |
| Liquid assets / assets | 96.93% (p100 of band) | |
| Uninsured deposits / deposits | 99.67% (p100 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.44% (p61 of band) | 10.81% |
| Unrealized securities loss / equity | -72.72% (p2 of band) | -8.10% |
| AOCI / equity | -1.41% (p14 of band) | |
| ROA (annualized) | 2.79% (p97 of band) | 1.28% |
| Net interest margin | 3.60% (p33 of band) | 3.91% |
| Efficiency ratio | 27.34% (p1 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | – | |
| Construction % of loans | 0.00% (p2 of band) | |
| Auto loans | $0 (– of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 3.3% | |
| Employees | 4 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **capital falling** (`cap_falling`)
- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, expense ratio p90, NIM <2.5% |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 3 |  |  |
| 2012-06 | 5 | capital falling, assets shrinking |  |
| 2012-09 | 5 |  |  |
| 2012-12 | 3 |  | capital falling, assets shrinking |
| 2013-03 | 3 |  |  |
| 2013-06 | 3 |  |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 4 | capital falling |  |
| 2014-06 | 3 |  | capital falling |
| 2014-09 | 3 |  |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 3 |  |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 4 | assets shrinking |  |
| 2016-03 | 4 |  |  |
| 2016-06 | 3 |  | assets shrinking |
| 2016-09 | 4 | assets shrinking |  |
| 2016-12 | 2 |  | losing money, assets shrinking |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 3 | capital falling |  |
| 2018-03 | 1 |  | expense ratio p90, capital falling |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | capital falling |  |
| 2019-09 | 1 |  | capital falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 3 | uninsured deposits >50%, capital falling |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 2 |  | capital falling |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 3 | capital falling |  |
| 2022-03 | 5 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 4 |  | capital falling |
| 2022-09 | 4 |  |  |
| 2022-12 | 5 | assets shrinking |  |
| 2023-03 | 4 | deposits shrinking | NIM <2.5%, AOCI drag >20% of equity |
| 2023-06 | 4 |  |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 4 |  |  |
| 2024-06 | 5 | uninsured deposits leaving |  |
| 2024-09 | 4 |  | uninsured deposits leaving |
| 2024-12 | 3 | capital falling | assets shrinking, deposits shrinking |
| 2025-03 | 3 | deposits shrinking | capital falling |
| 2025-06 | 2 |  | deposits shrinking |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | capital falling |  |
| 2026-06 | 3 |  |  |

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

- 2022-02-24 [Five Important Facts about the Competitiveness of the U.S. Banking Industry - bpi.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxNNndYbWdJWWhXX1BfSVR5UlJrMU5vTTdJYXZmNkJNM2VEaWZDdFJ3Q1RKVTVCcDJPUlBQX3Q1RXJpQ1Z2Y1dVQlhQZGJkQkZ0X1hNb0ZfVTVfLTNpbGRiX0NNZlIzUXBtXzhaWXB0MGtVX0JsV2NmQ1ctVi1Pa1VmWUNTcTRDdjk4aDZxeVFnY1NWQk9OV3c?oc=5) · bpi.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=59043 (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/35.json (key "59043", 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