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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 — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
71
/ 100
StableAs of 2026-Q1QoQ 0

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

Quarterly Headline

2026-Q1

Bank #3076248 2026-Q1 Vital Signs Score: 71/100 — 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 0.58% of loans.

What changed this quarter

Compared to Q4 2025:
↑ 0 ptscomposite
  • Liquidity
    ↑ +6
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↓ -2
  • Reserves
    ↓ -6

The five pillars

Liquidity

StrongQoQ +6
84
Sub-score

Liquidity is strong: brokered 1.0%, loans/deposits 80.9%, cash 5.7% of assets.

Cash / Assets
5.69%
Loans / Deposits
80.92%
Brokered %
1.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 16.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
16.81%
No watch items at this period.

Capitalization

WatchQoQ +3
60
Sub-score

Capital position is deteriorating: Tier 1 RBC 11.45%, CET1 11.45%, leverage 7.06%.

Tier 1 RBC
11.45%
CET1
11.45%
Leverage
7.06%
No watch items at this period.

Asset Quality

StrongQoQ -2
88
Sub-score

Asset quality is strong: Adjusted NPL 1.05%, Texas Ratio 10.9%, NCO YTD 0.66%.

Adjusted NPL
1.05%
Govt-guarantees stripped
Texas Ratio
10.9%
NCO YTD
0.66%
30-89 PD
0.07%
Band 0.3% / 3.0%
90+ PD
0.35%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -6
16
Sub-score

Reserves are weak: ALLL 0.58% of loans, coverage 55.1%, true coverage 55.1%.

ALLL / Loans
0.58%
Coverage
55.1%
True Loss Coverage
55.1%

Watch Items

  • infoALLL / Loans below 0.75% — ALLL 0.58% 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