Company: SFB
Filing Date: 2025-02-26
Form Type: 10-K
Source: 0000950170-25-027702
Chunk: 434

Company: STIFEL FINANCIAL CORP
Filing Date: 2025-02-26
Form: 10-K
Item: Item 7
Chunk 434
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    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
    %

    0.05
    %

    Nonaccrual loans
     
    $
    160,900

    $
    42,366

    $
    10,102

    Retained loans outstanding
     
    $
    20,879,745

    $
    19,441,467

    $
    20,602,558

    Allowance for credit losses to nonaccrual loans
     
    1.06x

    3.83x

    14.64x

    Allowance for credit losses
     
    $
    170,044

    $
    161,605

    $
    147,853

    Nonaccrual loans
     
    $
    160,900

    $
    42,366

    $
    10,102

The following table presents net charge-offs to average loans outstanding by major loan category for the year ended December 31, 2024 (in thousands, except percentages):

    Residential real estate

    0.00
    %

    Net charge-off during the period
     
    $
    —

    Average amount outstanding
     
    $
    8,268,123

    Commercial and industrial

    0.29
    %

    Net charge-off during the period
     
    $
    10,688

    Average amount