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Stifel Bank And Trust

IDRSSD: 3076248
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 1 alert active.

Summary

RSSD 3076248 held $20.1B in total assets as of 2026-03-31 (+3.3% quarter-over-quarter). Total loans stood at $14.9B (+0.3% QoQ) and total deposits at $18.4B (+3.0% QoQ).

Overall position is adequate — the composite Health Score is 45/100 (Adequate). Tier 1 / RWA stands at 11.45%, in the bottom decile of peers. Asset quality (NPL ratio) sits in the bottom quartile of peers.

1 Quarterly Anomaly Alert fired this quarter. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
45/100
Adequate
Active Alerts
1
0 critical, 1 warning
Total Assets
$20.1B
+3.3% QoQ
Total Loans
$14.9B
+0.3% QoQ
Total Deposits
$18.4B
+3.0% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
11.45%
5th pctile · n=77↑ better
+27 bp QoQ
CET1 / RWA
11.45%
17th pctile · n=77↑ better
+27 bp QoQ
Total RBC / RWA
12.25%
6th pctile · n=77↑ better
+14 bp QoQ
Tier 1 Leverage Ratio
11.45%
5th pctile · n=77↑ better
+27 bp QoQ

Liquidity

Cash / Assets
5.69%
64th pctile · n=77↑ better
+228 bp QoQ
Loans / Deposits
80.92%
36th pctile · n=77↓ better
-222 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
1.05%
79th pctile · n=77↓ better
-9 bp QoQ
NPA / Assets
0.78%
74th pctile · n=77↓ better
-10 bp QoQ
Texas Ratio (regulatory)
10.90%
92th pctile · n=77↓ better
-104 bp QoQ
Net Charge-Offs / Avg Loans
0.66%
92th pctile · n=77↓ better
+31 bp QoQ
ALLL Coverage of NPL
55.11%
12th pctile · n=77↑ better
-412 bp QoQ

Earnings

Net Interest Margin
3.51%
47th pctile · n=77↑ better
+1 bp QoQ
Return on Assets
1.77%
82th pctile · n=77↑ better
+3 bp QoQ
Return on Equity
26.00%
96th pctile · n=77↑ better
+48 bp QoQ
Efficiency Ratio
26.82%
8th pctile · n=77↓ better
-36 bp QoQ
Pre-tax NOI / Avg Assets
2.36%
86th pctile · n=77↑ better
+5 bp QoQ

Funding

Brokered / Deposits
1.00%
38th pctile · n=77↓ better
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
0.00%
10th pctile · n=77↓ better

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
18.06%
57th pctile · n=77↑ better
+18 bp QoQ
AFS Securities / Assets
1.25%
4th pctile · n=77↑ better
+32 bp QoQ
HTM Securities / Assets
16.81%
92th pctile · n=77↑ better
-14 bp QoQ

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-14 03:35:09 UTC