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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-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
73
/ 100
StableAs of 2025-Q3QoQ 0

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

Quarterly Headline

2025-Q3

Bank #3076248 2025-Q3 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. info
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.70% of loans.

What changed this quarter

Compared to Q2 2025:
↑ 0 ptscomposite
  • Liquidity
    ↑ +8
  • Securities
    — —
  • Capitalization
    ↓ -4
  • Asset Quality
    ↑ +1
  • Reserves
    ↓ -3

The five pillars

Liquidity

StrongQoQ +8
83
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 81.9%, cash 5.0% of assets.

Cash / Assets
4.99%
Loans / Deposits
81.87%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 17.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
17.04%
No watch items at this period.

Capitalization

WatchQoQ -4
56
Sub-score

Capital position is deteriorating: Tier 1 RBC 11.08%, CET1 11.08%, leverage 7.07%.

Tier 1 RBC
11.08%
CET1
11.08%
Leverage
7.07%
No watch items at this period.

Asset Quality

StrongQoQ +1
93
Sub-score

Asset quality is strong: Adjusted NPL 1.09%, Texas Ratio 11.2%, NCO YTD 0.29%.

Adjusted NPL
1.09%
Govt-guarantees stripped
Texas Ratio
11.2%
NCO YTD
0.29%
30-89 PD
0.15%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -3
27
Sub-score

Reserves are weak: ALLL 0.70% of loans, coverage 64.7%, true coverage 64.7%.

ALLL / Loans
0.70%
Coverage
64.7%
True Loss Coverage
64.7%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.70% 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