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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-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
73
/ 100
StableAs of 2025-Q2QoQ +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-Q2

Bank #3076248 2025-Q2 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.74% of assets (threshold 3%).
  2. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.74% of loans.

What changed this quarter

Compared to Q1 2025:
↑ +3 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    ↑ +4
  • Capitalization
    ↑ +4
  • Asset Quality
    ↑ +2
  • Reserves
    ↑ +3

The five pillars

Liquidity

StableQoQ 0
75
Sub-score

Liquidity is stable: brokered 0.0%, loans/deposits 84.1%, cash 1.7% of assets.

Cash / Assets
1.74%
Loans / Deposits
84.07%
Brokered %
0.04%

Watch Items

  • watchCash / Assets below 3% — Cash 1.74% of assets (threshold 3%).

Securities

StrongQoQ +4
100
Sub-score

Securities profile is strong: securities 17.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
17.94%
No watch items at this period.

Capitalization

StableQoQ +4
61
Sub-score

Capital position is stable: Tier 1 RBC 11.48%, CET1 11.48%, leverage 7.03%.

Tier 1 RBC
11.48%
CET1
11.48%
Leverage
7.03%
No watch items at this period.

Asset Quality

StrongQoQ +2
92
Sub-score

Asset quality is strong: Adjusted NPL 1.12%, Texas Ratio 11.0%, NCO YTD 0.34%.

Adjusted NPL
1.12%
Govt-guarantees stripped
Texas Ratio
11.0%
NCO YTD
0.34%
30-89 PD
0.16%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +3
29
Sub-score

Reserves are weak: ALLL 0.74% of loans, coverage 66.9%, true coverage 66.9%.

ALLL / Loans
0.74%
Coverage
66.9%
True Loss Coverage
66.9%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.74% 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