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
Unfavorable gap of $16.2M · efficiency ratio beats 25% of banks under $1B in assets in WI | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.12% | 0.85% | 1.17% | 1.51% | Beats 45% | 62 / 113 | | |
| Return on Equity | 12.29% | 7.70% | 10.77% | 13.67% | Beats 63% | 42 / 113 | | |
| Net Interest Margin | 3.77% | 3.19% | 3.59% | 3.89% | Beats 64% | 41 / 113 | | |
| Efficiency Ratio | 72.61% | 54.61% | 62.43% | 71.88% | Beats 25% | 86 / 113 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.15% | 0.03% | 0.24% | 0.91% | Beats 20% | 89 / 110 | | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.00% | 0.01% | Beats 31% | 77 / 110 | | |
| Capital |
| Tier 1 Capital Ratio | 10.07% | 11.22% | 12.95% | 15.76% | Beats 13% | 98 / 113 | | |
| Total Risk-Based Capital Ratio | 10.07% | 11.57% | 13.59% | 16.73% | Beats 12% | 99 / 113 | | |
| Equity / Assets | 9.13% | 9.17% | 10.74% | 13.13% | Beats 24% | 86 / 113 | | |
| Liquidity & Funding |
| Loans / Deposits | 84.91% | 76.54% | 86.37% | 98.93% | 46th pctl | 61 / 112 | | |
| Loans / Assets | 73.77% | 63.07% | 71.33% | 78.84% | 57th pctl | 49 / 113 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |