Banking &
Lending
Banking &
Lending

Full-service solutions for
individuals and businesses.
Full-service solutions for
individuals and businesses.

We take a collaborative approach to lending, cash management, and trust services.

Working with a Stifel advisor provides you access to more than just investment services. Understanding your financial goals, motivation, and how you picture your legacy includes addressing liquidity use and sources, financing needs, and personal trust services.

Stifel’s banking, lending, and trust services complete the wealth management picture you develop with your Stifel Financial Advisor.

At Stifel, we have the knowledge, experience, and resources to help you address even the most complex needs. Below are just a few of the many questions our bankers, lenders, and trust associates may help answer for you.

Stifel’s banking and lending services are provided by Stifel Bank and Stifel Bank & Trust. Trust and fiduciary services are provided by Stifel Trust Company, N.A. and Stifel Trust Company Delaware, N.A.

Residential mortgage lending services for clients of Stifel, Nicolaus & Company, Incorporated are performed exclusively by Stifel Bank and Stifel Bank & Trust (Stifel Banks). The financial advisors of Stifel, Nicolaus & Company, Incorporated do not offer mortgage loans, provide mortgage loan information, or accept residential mortgage loan applications.
Stifel Bank, Member FDIC, Equal Housing Lender, NMLS# 451163, is affiliated with Stifel Bank & Trust, Member FDIC, Equal Housing Lender, NMLS# 375103, and Stifel, Nicolaus & Company, Incorporated, Member SIPC & NYSE, each a wholly owned subsidiary of Stifel Financial Corp. Unless otherwise specified, references to Stifel may mean Stifel Financial Corp. and/or any of its subsidiaries. Unless otherwise specified, products purchased from or held by Stifel are not insured by the FDIC, are not deposits or other obligations of Stifel Banks, are not guaranteed by Stifel Banks, and are subject to investment risk, including possible loss of the principal.

Understanding the potential risks of a Stifel Pledged Asset (SPA) Line of Credit
Speak with your Financial Advisor about your risk tolerance level, market fluctuations, and specifically the potential risks associated with a Stifel SPA Line of Credit.

The SPA Line of Credit is a demand loan using the assets in the account as collateral. If the minimum required value of the collateral is not maintained, the account holder will be required to (1) post additional qualified collateral, (2) repay a portion or all of the debt, or (3) forfeit that shortfall in value of pledged assets to Stifel Bank & Trust. If the call is not met, Stifel Bank & Trust can liquidate some or all of the assets in the SPA Loan Account. If terms of the account are not maintained, Stifel Bank & Trust may call the loan due and payable. Stifel Bank & Trust will attempt to communicate with you to determine the right course of action to alleviate a collateral shortfall. Stifel Bank & Trust has the right to sell securities as needed without your consent to meet a collateral call.

Trust and fiduciary services are provided by Stifel Trust Company, N.A. and Stifel Trust Company Delaware, N.A. (Stifel Trust Companies), wholly owned subsidiaries of Stifel Financial Corp. and affiliates of Stifel, Nicolaus & Company, Incorporated, Member SIPC & NYSE. Unless otherwise specified, products purchased from or held by Stifel Trust Companies are not insured by the FDIC or any other government agency, are not deposits or other obligations of Stifel Trust Companies, are not guaranteed by Stifel Trust Companies, and are subject to investment risks, including possible loss of the principal invested. Stifel Trust Companies do not provide legal or tax advice.


“Smoothest mortgage transaction I’ve ever had! I’ll tell all my friends about this wonderful program and its amazing employees. I can’t say thank you enough for all the help. Forever grateful...”

-A home loan client in
Salem, Oregon


“I was very pleased with the speed and efficiency of the service I received. I would certainly recommend Stifel Bank for home financing.”

-A home loan client in
Peoria, Arizona


“Stifel Bank was proactive and made the journey and process understandable and easy. They even helped with a few road bumps to make it much easier for me to finalize my loan.”

-A home loan client in
Apple Valley, Minnesota


“My two loan processes with Stifel (a refinance and a new loan for a new home) could not have been easier or more stress free. Truly, thank you for being such a great example of what a home buying process can and should be. There are a million things in the process that can go wrong, and I never had a concern that Stifel would be one of the issues. You have made customers for life.”

-A home loan client in
Redondo Beach, California


33

Mortgage Lenders averaging

20

years of experience


Largest

St. Louis-Based Bank

Source: St. Louis Federal Reserve as of December 2017


2007

Stifel acquired FirstService Bank
to launch
banking & lending services


38

Commercial, Real Estate, and
Specialized Lenders