In steel I can stand over the smallest Long Haul Trucker and the smallest Salsa Vaya, but both are taller than 25" even though they have 26 inch wheels. IIRC, the standover is about 27.5 on both of these. Which is my inseam. However, when wearing shoes I found the clearance just fine.
The Jamis Endura is carbon but set up for touring, with the ability to take wider tires and it is set up for racks. The standover is slightly more than 27 inches on the smallest.
When I checked there were no steel Jamis bikes that would fit me.
Terry does have a steel touring bike that will have a lower top tube than these but you are getting into the custom price range, at over $3500.
Trek Madone 4.7 WSD
Cannondale Quick4
1969 Schwinn Collegiate, original owner
Terry Classic
Richard Feynman: “The first principle is that you must not fool yourself and you are the easiest person to fool.”