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Bank with Stifel
Stifel’s Banking and Lending professionals are supported by the entrepreneurial spirit that rings throughout Stifel. The strength of our firm comes from our St. Louis roots, established in 1890, and the value of our global perspectives that emanate from Stifel’s thought leaders.
Stifel serves the banking, lending, wealth management, and institutional financial needs of families, businesses, and municipalities through Stifel and Stifel’s affiliates. Learn more at stifel.com.
We take a collaborative approach to banking and lending.
- Stifel Pledged Asset (SPA) Securities-Based Lines of Credit*
- Home Equity Lines of Credit*
- Private Bank Lending*
- Credit Cards
For Your Business:
- Treasury Management
- Corporate Lending*
- Private Bank Lending*
- Commercial & Industrial Lending*
- Commercial Real Estate Lending*
- Venture Banking & Lending
- Fund Banking
- Sponsor Finance*
- Corporate Credit Cards
*These services are provided by Stifel Bank & Trust. Other banking and lending services are provided by Stifel Bank.
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 SPA Loan Account
Speak with your Financial Advisor about your risk tolerance level and specifically the potential risks associated with a SPA Loan Account.
The SPA Loan Account 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.