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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 — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
70
/ 100
StableAs of 2025-Q1QoQ -3

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

Quarterly Headline

2025-Q1

Bank #3076248 2025-Q1 Vital Signs Score: 70/100 — 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. risk
    Cash / Assets below 3%
    Liquidity — Cash 0.85% of assets (threshold 3%).
  2. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.75% of loans.

What changed this quarter

Compared to Q4 2024:
↓ -3 ptscomposite
  • Liquidity
    ↓ -5
  • Securities
    ↓ -4
  • Capitalization
    ↑ 0
  • Asset Quality
    ↓ -3
  • Reserves
    ↓ -4

The five pillars

Liquidity

StableQoQ -5
74
Sub-score

Liquidity is stable: brokered 0.1%, loans/deposits 81.4%, cash 0.9% of assets.

Cash / Assets
0.85%
Loans / Deposits
81.37%
Brokered %
0.09%

Watch Items

  • riskCash / Assets below 3% — Cash 0.85% of assets (threshold 3%).

Securities

StrongQoQ -4
96
Sub-score

Securities profile is strong: securities 21.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
21.14%
No watch items at this period.

Capitalization

WatchQoQ 0
57
Sub-score

Capital position is deteriorating: Tier 1 RBC 11.10%, CET1 11.10%, leverage 7.07%.

Tier 1 RBC
11.10%
CET1
11.10%
Leverage
7.07%
No watch items at this period.

Asset Quality

StrongQoQ -3
90
Sub-score

Asset quality is strong: Adjusted NPL 1.20%, Texas Ratio 11.8%, NCO YTD 0.32%.

Adjusted NPL
1.20%
Govt-guarantees stripped
Texas Ratio
11.8%
NCO YTD
0.32%
30-89 PD
0.56%
Band 0.3% / 3.0%
90+ PD
0.09%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -4
27
Sub-score

Reserves are weak: ALLL 0.75% of loans, coverage 62.8%, true coverage 62.8%.

ALLL / Loans
0.75%
Coverage
62.8%
True Loss Coverage
62.8%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.75% of loans.

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