Visbanking Logo
Skip to main content

Stifel Bank

IDRSSD: 3076220
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StableAs of 2025-Q4QoQ -4

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

Quarterly Headline

2025-Q4

Bank #3076220 2025-Q4 Vital Signs Score: 80/100 — overall stable. Strongest pillar: Asset Quality (strong). Weakest pillar: Capitalization (stable).

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

Top 3 Watch Items

  1. watch
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.41% of loans.
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.46% of assets (threshold 3%).

What changed this quarter

Compared to Q3 2025:
↓ -4 ptscomposite
  • Liquidity
    ↓ -9
  • Securities
    ↓ -4
  • Capitalization
    ↓ -5
  • Asset Quality
    ↓ -1
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -9
80
Sub-score

Liquidity is strong: brokered 3.9%, loans/deposits 70.9%, cash 2.5% of assets.

Cash / Assets
2.46%
Loans / Deposits
70.91%
Brokered %
3.93%

Watch Items

  • infoCash / Assets below 3% — Cash 2.46% of assets (threshold 3%).

Securities

StrongQoQ -4
86
Sub-score

Securities profile is strong: securities 24.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
24.35%
No watch items at this period.

Capitalization

StableQoQ -5
64
Sub-score

Capital position is stable: Tier 1 RBC 11.84%, CET1 11.84%, leverage 7.11%.

Tier 1 RBC
11.84%
CET1
11.84%
Leverage
7.11%
No watch items at this period.

Asset Quality

StrongQoQ -1
99
Sub-score

Asset quality is strong: Adjusted NPL 0.00%, Texas Ratio 0.0%, NCO YTD 0.00%.

Adjusted NPL
0.00%
Govt-guarantees stripped
Texas Ratio
0.0%
NCO YTD
0.00%
30-89 PD
0.46%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Stable
67
Sub-score

Reserves are stable: ALLL 0.41% of loans, coverage 520116.7%, true coverage 520116.7%.

ALLL / Loans
0.41%
Coverage
520116.7%
True Loss Coverage
520116.7%

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.41% 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 03:36:24 UTC