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Stifel Bank And Trust

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

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2024-Q1QoQ -2

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q1

Bank #3076248 2024-Q1 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

Liquidity:Strong
Securities:Strong
Capitalization:Watch
Asset Quality:Strong
Reserves:Stable

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q4 2023:
↓ -2 ptscomposite
  • Liquidity
    ↑ +6
  • Securities
    — —
  • Capitalization
    ↓ -11
  • Asset Quality
    ↑ +1
  • Reserves
    ↓ -7

The five pillars

Liquidity

StrongQoQ +6
94
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 77.5%, cash 8.9% of assets.

Cash / Assets
8.85%
Loans / Deposits
77.53%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 16.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
16.85%
No watch items at this period.

Capitalization

WatchQoQ -11
58
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.80%, CET1 10.80%, leverage 7.09%.

Tier 1 RBC
10.80%
CET1
10.80%
Leverage
7.09%
No watch items at this period.

Asset Quality

StrongQoQ +1
100
Sub-score

Asset quality is strong: Adjusted NPL 0.46%, Texas Ratio 4.4%, NCO YTD 0.08%.

Adjusted NPL
0.46%
Govt-guarantees stripped
Texas Ratio
4.4%
NCO YTD
0.08%
30-89 PD
0.16%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ -7
71
Sub-score

Reserves are stable: ALLL 0.80% of loans, coverage 174.3%, true coverage 174.3%.

ALLL / Loans
0.80%
Coverage
174.3%
True Loss Coverage
174.3%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 03:34:44 UTC