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Stifel Bank

IDRSSD: 3076220
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
78
/ 100
StableAs of 2026-Q1QoQ -1

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 #3076220 2026-Q1 Vital Signs Score: 78/100 — 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 0.38% of loans.

What changed this quarter

Compared to Q4 2025:
↓ -1 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    ↓ -5
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ 0
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ +1
81
Sub-score

Liquidity is strong: brokered 9.0%, loans/deposits 66.6%, cash 4.1% of assets.

Cash / Assets
4.07%
Loans / Deposits
66.64%
Brokered %
9.01%
No watch items at this period.

Securities

StrongQoQ -5
81
Sub-score

Securities profile is strong: securities 25.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
25.85%
No watch items at this period.

Capitalization

StableQoQ -2
62
Sub-score

Capital position is stable: Tier 1 RBC 11.69%, CET1 11.69%, leverage 7.04%.

Tier 1 RBC
11.69%
CET1
11.69%
Leverage
7.04%
No watch items at this period.

Asset Quality

StrongQoQ 0
99
Sub-score

Asset quality is strong: Adjusted NPL 0.02%, Texas Ratio 0.2%, NCO YTD 0.00%.

Adjusted NPL
0.02%
Govt-guarantees stripped
Texas Ratio
0.2%
NCO YTD
0.00%
30-89 PD
0.48%
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 0.38% of loans, coverage 1966.1%, true coverage 1966.1%.

ALLL / Loans
0.38%
Coverage
1966.1%
True Loss Coverage
1966.1%

Watch Items

  • watchALLL / Loans below 0.75% — ALLL 0.38% 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