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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-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
72
/ 100
StableAs of 2024-Q3QoQ -6

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

Quarterly Headline

2024-Q3

Bank #3076248 2024-Q3 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.24% of assets (threshold 3%).

What changed this quarter

Compared to Q2 2024:
↓ -6 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↓ -3
  • Asset Quality
    ↓ -6
  • Reserves
    ↓ -24

The five pillars

Liquidity

StableQoQ -3
77
Sub-score

Liquidity is stable: brokered 1.6%, loans/deposits 80.4%, cash 2.2% of assets.

Cash / Assets
2.24%
Loans / Deposits
80.42%
Brokered %
1.56%

Watch Items

  • infoCash / Assets below 3% — Cash 2.24% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 20.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
19.95%
No watch items at this period.

Capitalization

WatchQoQ -3
53
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.70%, CET1 10.70%, leverage 7.10%.

Tier 1 RBC
10.70%
CET1
10.70%
Leverage
7.10%
No watch items at this period.

Asset Quality

StrongQoQ -6
93
Sub-score

Asset quality is strong: Adjusted NPL 1.04%, Texas Ratio 10.3%, NCO YTD 0.20%.

Adjusted NPL
1.04%
Govt-guarantees stripped
Texas Ratio
10.3%
NCO YTD
0.20%
30-89 PD
0.53%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -24
37
Sub-score

Reserves are weak: ALLL 0.78% of loans, coverage 75.5%, true coverage 75.5%.

ALLL / Loans
0.78%
Coverage
75.5%
True Loss Coverage
75.5%
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