PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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

5.31%Q2 ’245.13%Q2 ’255.38%Q2 ’26+0%+14%

Non-interest income vs. expense

2.95%Q2 ’243.07%Q2 ’254.01%Q2 ’26+8%+46%

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 0.96%, down 25 bps year over year; NIM at 3.79%.
  • 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 (quarter, annualized)

0.96%-25 bps YoY

Net Interest Margin (quarter, annualized)

3.79%+46 bps YoY

Efficiency Ratio (quarter, annualized)

77.41%+1,058 bps YoY

Tier 1 Leverage Ratio

10.07%+37 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.20%1.35%0.35%1.26%0.96%-25 bps
Return on Equity14.45%15.51%4.00%14.27%10.63%-381 bps
Net Interest Margin3.32%3.61%3.62%3.69%3.79%+46 bps
Efficiency Ratio66.83%64.36%61.31%67.74%77.41%+1,058 bps
Non-Interest Burden1.79%1.85%1.72%2.06%2.61%+82 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 / Loans0.04%0.01%0.02%0.01%0.01%-3 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