Stifel Bank&Trust
Saint Louis, Missouri · FDIC Cert #57311
Stifel Bank&Trust is an FDIC-insured bank (Certificate #57311) with $18.0B in total assets and $16.4B in total deposits as of the Q2 2024 Call Report. Headquartered in Saint Louis, Missouri, the bank maintains a Tier 1 capital ratio of 10.92% (Well-Capitalized) and a nonperforming loan ratio of 0.64%. BankHealthData assigns a composite Health Grade of A (80/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Stifel Bank&Trust (FDIC cert 57311) is a large bank with $18.0B in total assets and $16.4B in deposits, headquartered in Saint Louis, Missouri. Banks at this scale typically operate across multiple states and face enhanced regulatory scrutiny under the federal banking-supervisory framework.
Capital position is adequate: Tier 1 capital ratio of 10.92% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is normal: non-performing loan ratio of 0.64% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is in the normal range: 24.9% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is strong: return on assets of 2.77% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. Stifel Bank&Trust carries a composite BankHealth grade of A (80/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Stifel Bank&Trust
- Total Assets
- $18.0B
- Total Deposits
- $16.4B
- Tier 1 Capital Ratio
- 10.92%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.64%
- Liquidity Ratio
- 24.86%
- Return on Assets
- 2.77%
- Headquarters
- Saint Louis, Missouri
- FDIC Certificate
- #57311
- Health Grade
- A (80/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Stifel Bank&Trust holds a Tier 1 capital ratio of 10.92%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Stifel Bank&Trust has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Stifel Bank&Trust shows strong financial health indicators. With $18.0B in assets and a Health Score of 80/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Stifel Bank&Trust Compares
Stifel Bank&Trust’s Health Score of 80 is 13 points above the Missouri state average of 67 across 193 FDIC-insured banks. Its 10.92% Tier 1 capital ratio is 3.1 points below the US banking industry average near 14%. The 0.64% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 2.77% is in line with or above the national ROA benchmark of ~1.1%. Among 103 similarly-sized banks, the average Health Score is 78, meaning this bank ranks above its size cohort. Site-wide, Stifel Bank&Trust is 10 points above the portfolio average of 70.
Frequently Asked Questions
Stifel Bank&Trust has a Bank Health Score of A (80/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 10.92%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Stifel Bank&Trust's Tier 1 capital ratio of 10.92% and nonperforming loan ratio of 0.64% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Stifel Bank&Trust is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #57311). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Stifel Bank&Trust holds $18.0B in total assets and $16.4B in total deposits. It is headquartered in Saint Louis, Missouri (FDIC Certificate #57311).
Stifel Bank&Trust has a Tier 1 capital ratio of 10.92%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.64%, and the return on assets is 2.77%.
Yes. Stifel Bank&Trust is FDIC-insured (Certificate #57311). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Stifel Bank&Trust's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.