Marinette, WI · Cert 5306 · Stephenson National Bcorp Inc.
National charter · OCC · 6 branches
Q2 2026
Market Position · Green Bay, WI · 2026 SOD (annual) · 0.6% share · #14 of 20 inst. · $0.1B of $14.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.57% | 0.25% | 0.95% | 1.20% | 1.35% | 0.35% | 1.26% | 0.96% | -25 bps | |
| Return on Equity | 7.26% | 3.19% | 11.98% | 14.45% | 15.51% | 4.00% | 14.27% | 10.63% | -381 bps | |
| Net Interest Margin | 3.02% | 3.11% | 3.08% | 3.32% | 3.61% | 3.62% | 3.69% | 3.79% | +46 bps | |
| Efficiency Ratio | 69.56% | 69.23% | 68.92% | 66.83% | 64.36% | 61.31% | 67.74% | 77.41% | +1,058 bps | |
| Non-Interest Burden | 1.69% | 1.75% | 1.74% | 1.79% | 1.85% | 1.72% | 2.06% | 2.61% | +82 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.78% | 3.24% | -1.59% | 2.15% | 0.84% | 1.80% | -0.83% | -1.41% | -356 bps | |
| Loan Growth (YoY) | 0.33% | -0.06% | 1.98% | 5.58% | 6.09% | 8.40% | 4.57% | -0.34% | -592 bps | |
| Deposit Growth (YoY) | 2.51% | 4.13% | -2.91% | 4.13% | 4.28% | 2.46% | 2.32% | -0.76% | -489 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.17% | 1.12% | 1.07% | 0.68% | 0.43% | 0.39% | 1.07% | 1.15% | +47 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.00% | 0.04% | 0.01% | 0.02% | 0.01% | 0.01% | -3 bps | |
| Allowance / Loans | 1.41% | 1.38% | 1.41% | 1.37% | 1.39% | 1.48% | 1.43% | 1.44% | +6 bps | |
| Allowance Coverage of NPLs | 1.2x | 1.2x | 1.3x | 2.0x | 3.2x | 3.8x | 1.3x | 1.2x | -0.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.46% | 9.45% | 9.48% | 9.70% | 9.78% | 9.74% | 9.78% | 10.07% | +37 bps | |
| Total Risk-Based Capital | 9.46% | 9.45% | 9.48% | 9.70% | 9.78% | 9.74% | 9.78% | 10.07% | +37 bps | |
| Equity / Assets | 8.10% | 7.78% | 8.14% | 8.52% | 8.84% | 8.78% | 8.88% | 9.13% | +61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.45% | 83.06% | 83.88% | 84.55% | 84.89% | 87.88% | 85.73% | 84.91% | +36 bps | |
| Liquid Assets / Assets | 7.74% | 6.94% | 6.39% | 4.34% | 4.11% | 0.11% | 0.32% | 0.92% | -343 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 378% | 399% | 383% | n/a | n/a | |