Company: SFB
Filing Date: 2025-02-26
Form Type: 10-K
Source: 0000950170-25-027702
Chunk: 107

Company: STIFEL FINANCIAL CORP
Filing Date: 2025-02-26
Form: 10-K
Item: Item 1B
Chunk 107
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 Other

    31,345

    22,587

    —

    1

    53,933

    $
    6,353,832

    $
    5,266,001

    $
    1,365,271

    $
    7,894,641

    $
    20,879,745

The sensitivity of loans with maturities in excess of one year at December 31, 2024, is as follows (in thousands): 

    Variable or adjusted-rate loans

    Residential real estate
     
    $
    6,642,079

    Commercial and industrial

    3,292,861

    Fund banking

    1,180,218

    Securities-based loans

    68,874

    Construction and land

    643,326

    Commercial real estate

    151,616

    Home equity lines of credit

    173,271

    Other

    22,587

    $
    12,174,832

    Fixed-rate loans

    Residential real estate
     
    $
    1,923,114

    Commercial and industrial

    410,396

    Fund banking

    —

    Securities-based loans

    6,070

    Construction and land

    —

    Commercial real estate

    11,500

    Home equity lines of credit

    —

    Other

    1

    $
    2,351,081

46

The following table presents the Company’s credit ratios, as well as the component of the ratio’s calculation, for the periods indicated (in thousands, except percentages):

    As of and for the year ending December 31,

    2024

    2023

    2022

    Allowance for credit losses to total loans outstanding

    0.81
    %

    0.83
    %

    0.72
    %

    Allowance for credit losses
     
    $
    170,044

    $
    161,605

    $
    147,853

    Retained loans outstanding
     
    $
    20,879,745

    $
    19,441,467

    $
    20,602,558

    Nonaccrual loans to total loans outstanding

    0.77
    %

    0.22
    %

    0.