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Stephenson National Bank and Trust, The

Marinette, WI · Cert 5306 · Stephenson National Bcorp Inc.

National charter · OCC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in WI3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in WI (n=110 to 113). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

16

Q2 2024Q2 2026peer median (50)

Asset Quality

26

Q2 2024Q2 2026peer median (50)

Profitability

57

Q2 2024Q2 2026peer median (50)

Liquidity

94

Q2 2024Q2 2026peer median

Efficiency

25

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Stephenson National Bank and Trust, The

Marinette, WI · Cert 5306 · Stephenson National Bcorp Inc.

National charter · OCC · 6 branches

Q2 2026

$676.8MAssets
$499.3MLoans
$588.0MDeposits
$61.8MEquity
Loan mix
79%RE $402.6M11%C&I $56.4M9%Consumer $47.6MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $475.7M19%Noninterest $112.4MQ2 2025Q2 2026

NIM

5.01%Q2 ’245.05%Q2 ’255.41%Q2 ’26+6%+18%

Non-interest income vs. expense

2.90%Q2 ’243.02%Q2 ’253.73%Q2 ’26+5%+33%

Market Position · Green Bay, WI · 2026 SOD (annual) · 0.6% share · #14 of 20 inst. · $0.1B of $14.9B

31.4% Marinette
39.2% Menominee
21.8% Oconto

Executive Summary

  • Earnings: ROA of 1.11%, up 3 bps year over year; NIM at 3.77%.
  • Asset quality: problem loans at 1.15% of loans (+47 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 10.07%, up 37 bps from a year ago.
  • Funding: loans stand at 84.91% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.11%+3 bps YoY

Net Interest Margin (YTD, annualized)

3.77%+56 bps YoY

Efficiency Ratio (YTD, annualized)

72.61%+477 bps YoY

Tier 1 Leverage Ratio

10.07%+37 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.08%1.17%0.97%1.26%1.11%+3 bps
Return on Equity13.25%14.04%11.48%14.27%12.42%-84 bps
Net Interest Margin3.20%3.32%3.42%3.69%3.77%+56 bps
Efficiency Ratio67.84%66.60%65.22%67.74%72.61%+477 bps
Non-Interest Burden1.77%1.78%1.78%2.06%2.35%+59 bps
Growth
Asset Growth (YoY)2.15%0.84%1.80%-0.83%-1.41%-356 bps
Loan Growth (YoY)5.58%6.09%8.40%4.57%-0.34%-592 bps
Deposit Growth (YoY)4.13%4.28%2.46%2.32%-0.76%-489 bps
Asset Quality
Nonperforming Loans / Loans0.68%0.43%0.39%1.07%1.15%+47 bps
Net Charge-Offs / Loans0.02%0.02%0.02%0.01%0.01%-1 bps
Allowance / Loans1.37%1.39%1.48%1.43%1.44%+6 bps
Allowance Coverage of NPLs2.0x3.2x3.8x1.3x1.2x-0.8x
Capital
Tier 1 Leverage Ratio9.70%9.78%9.74%9.78%10.07%+37 bps
Total Risk-Based Capital9.70%9.78%9.74%9.78%10.07%+37 bps
Equity / Assets8.52%8.84%8.78%8.88%9.13%+61 bps
Liquidity & Funding
Loans / Deposits84.55%84.89%87.88%85.73%84.91%+36 bps
Liquid Assets / Assets4.34%4.11%0.11%0.32%0.92%-343 bps
CRE / Total Capitaln/a378%399%383%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Stephenson National Bank and Trust, The

Marinette, WI · Cert 5306 · Peer group: banks under $1B in assets in WI (n=110-113) · Stephenson National Bcorp Inc.

National charter · OCC · 6 branches

Q2 2026

$676.8MAssets
$499.3MLoans
$588.0MDeposits
$61.8MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 64% of banks under $1B in assets in WI (rank 41 of 113).
  • Widest gap: total risk-based capital ratio trails 88% of banks under $1B in assets in WI (rank 99 of 113).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

1.12%

Rank 62 of 113

Net Interest Margin

3.77%

Rank 41 of 113

Efficiency Ratio

72.61%

Rank 86 of 113

Equity / Assets

9.13%

Rank 86 of 113

Non-interest income vs. expense

$9.5M$25.7MINCOMEEXPENSE
Unfavorable gap of $16.2M · efficiency ratio beats 25% of banks under $1B in assets in WI
Bank 72.61%Peer median 62.4%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.12%0.85%1.17%1.51%Beats 45%62 / 113
Return on Equity12.29%7.70%10.77%13.67%Beats 63%42 / 113
Net Interest Margin3.77%3.19%3.59%3.89%Beats 64%41 / 113
Efficiency Ratio72.61%54.61%62.43%71.88%Beats 25%86 / 113
Asset Quality
Nonperforming Loans / Loans1.15%0.03%0.24%0.91%Beats 20%89 / 110
Net Charge-Offs / Loans0.01%n/a0.00%0.01%Beats 31%77 / 110
Capital
Tier 1 Capital Ratio10.07%11.22%12.95%15.76%Beats 13%98 / 113
Total Risk-Based Capital Ratio10.07%11.57%13.59%16.73%Beats 12%99 / 113
Equity / Assets9.13%9.17%10.74%13.13%Beats 24%86 / 113
Liquidity & Funding
Loans / Deposits84.91%76.54%86.37%98.93%46th pctl61 / 112
Loans / Assets73.77%63.07%71.33%78.84%57th pctl49 / 113
Brokered Deposits / Depositsn/aNot reported for this institution