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The Stephenson National Bank and Trust

$100M-$1B Specialty: Commercial WI FDIC cert 5306

Marinette, WI

7 branches across WI · MI

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 110 in WI.
  • Deposits -0.8% year over year ($588.0M on the books).
  • Delinquency rate 1.17%.
  • Return on assets 1.41%.
  • Efficiency ratio 72.61% vs a 64.48% peer average.
  • Loan-to-deposit ratio 83.69% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 110 in WI
View $100M-$1B leaderboard (WI) →

The Stephenson National Bank and Trust has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 21.5% in tier
  • + ROA 0.09% above tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 8.3% in tier
  • - Flatlined Growth: Bottom 44.8% in tier
  • - Efficiency Ratio 8.13% above tier average
  • - Delinquency Rate 0.25% above tier average
Get updates when The Stephenson National Bank and Trust releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Total Assets ? $676.8M
-1.4% YoY -1.1% QoQ
+$290.3M $386.6M
+1.2% YoY
$1.2B
+13.5% YoY
$6.3B
+7.7% YoY
Top 13.7% in tier
Total Loans ? $492.1M
-0.4% YoY -2.3% QoQ
+$233.8M $258.3M
+1.7% YoY
$860.4M
+13.3% YoY
$3.2B
+9.4% YoY
Top 12.2% in tier
Total Deposits ? $588.0M
-0.8% YoY -1.3% QoQ
+$261.3M $326.7M
+0.7% YoY
$935.5M
+13.1% YoY
$4.9B
+7.3% YoY
Top 13.0% in tier
Return on Assets ? 1.41%
+2.7% YoY -12.1% QoQ
+0.09% 1.32%
+10.8% YoY
1.56%
+18.6% YoY
1.30%
+12.1% YoY
60%
Net Interest Margin ? 4.03%
+16.7% YoY +1.2% QoQ
+0.04% 3.99%
+5.0% YoY
3.83%
+8.5% YoY
3.95%
+4.9% YoY
55%
Efficiency Ratio ? 72.61%
+7.0% YoY +7.2% QoQ
+8.13% 64.48%
-3.2% YoY
62.90%
-5.1% YoY
70.05%
+2.5% YoY
25%
Delinquency Rate ? 1.17%
+69.5% YoY +8.1% QoQ
+0.25% 0.92%
+15.7% YoY
0.85%
+12.5% YoY
0.98%
+16.3% YoY
25%
Loan-to-Deposit Ratio ? 83.69%
+0.4% YoY -1.0% QoQ
+5.74% 77.95%
+1.0% YoY
87.22%
+0.9% YoY
79.03%
+2.3% YoY
41%
Non-Interest-Bearing Deposit Share ? 19.11%
+9.6% YoY +6.9% QoQ
-2.92% 22.03%
-0.6% YoY
18.65%
-1.9% YoY
21.98%
-0.6% YoY
41%
Nonperforming Asset Ratio ? 0.95%
+24.1% YoY +8.5% QoQ
+0.28% 0.67%
+16.4% YoY
0.63%
+16.4% YoY
0.69%
+15.8% YoY
22%
Tier 1 Capital Ratio ? 10.07%
+3.8% YoY +2.9% QoQ
-5.84% 15.91%
+1.4% YoY
15.02%
+1.5% YoY
17.09%
+0.8% YoY
Bottom 11.6% in tier
Non-Interest Income / Assets ? 0.70%
+10.1% YoY +105.3% QoQ
+0.14% 0.57%
+7.6% YoY
2.21%
+12.7% YoY
0.66%
+5.2% YoY
Top 5.7% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Noninterest-Bearing 19.1%
+1.7pp YoY
+1.2pp QoQ
 -3.0pp 22.1% 18.9% 22.2% 41%
Brokered Deposits 0.9%
0.0pp YoY
0.0pp QoQ
 -7.0pp 7.9% 9.2% 8.5% 16%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
C&I 11.1%
-1.8pp YoY
-0.1pp QoQ
 -0.5pp 11.6% 10.5% 12.5% 59%
CRE 51.7%
-0.1pp YoY
-0.2pp QoQ
 +12.2pp 39.5% 46.4% 41.4% 73%
1-4 Family 28.0%
+1.3pp YoY
+0.2pp QoQ
 -4.6pp 32.6% 32.3% 31.3% 47%
Consumer 9.7%
+0.2pp YoY
+0.2pp QoQ
 +5.6pp 4.1% 2.6% 5.0% 92%

Capital

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.5% 19.7% n/a
Leverage Ratio 10.1%
+0.4pp YoY
+0.3pp QoQ
 -2.1pp 12.2% 12.6% 12.6% 33%
Total Capital Ratio n/a n/a 19.9% 16.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Full-Time Employees 121
+3 (+2.5%) YoY
+6 (+5.2%) QoQ
 +62 58 134 482 93%
Assets per Employee ($) $5.6M
-3.9% YoY
-6.0% QoQ
 -$1.9M $7.5M $8.2M $8.8M 24%
Branch Count 7
0 YoY
0 QoQ
 +2 4 9 18 75%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 1.2%
+0.5pp YoY
+0.1pp QoQ
 +0.2pp 0.9% 0.9% 1.0% 75%
Allowance Coverage 1.24x
-38.2% YoY
-7.1% QoQ
 -22.91x 24.15x 56.89x 20.23x 33%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.0% 0.2% 43%

Profitability

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
ROE 15.8%
-1.1pp YoY
-2.4pp QoQ
 +3.6pp 12.2% 11.8% 11.6% 72%
Cost of Funds (YTD) 1.8%
-0.2pp YoY
0.0pp QoQ
 0.0pp 1.7% 1.8% 1.7% 55%
Net Income ($, YTD) $4.8M
+2.5% YoY
— QoQ
 +$2.3M $2.6M $7.9M $40.4M 86%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth
#143 of 661 • Top 21.5% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.70%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 1.41%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (2)

Capital Thin

risk
#56 of 661 • Bottom 8.3% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.07%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Flatlined Growth

risk
#238 of 529 • Bottom 44.8% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 1.41%
(Tier: 1.32%, National: 1.30%)
better than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

151
Non-Interest Income / Assets
revenue_mix
Value: 0.70%
Peer Median: 0.57%
#151 of 2643 Top 5.7% in $100M-$1B
323
Total Loans
size
Value: $492.11M
Peer Median: $258.35M
#323 of 2643 Top 12.2% in $100M-$1B
344
Total Deposits
size
Value: $588.02M
Peer Median: $326.73M
#344 of 2643 Top 13.0% in $100M-$1B
364
Total Assets
size
Value: $676.84M
Peer Median: $386.57M
#364 of 2643 Top 13.7% in $100M-$1B

Top Weaknesses (4 metrics)

2337
Tier 1 Capital Ratio
capital
Value: 10.07%
Peer Median: 15.91%
#2337 of 2643 Bottom 11.6% in $100M-$1B
2075
Nonperforming Asset Ratio
credit_quality
Value: 0.95%
Peer Median: 0.67%
#2075 of 2643 Bottom 21.5% in $100M-$1B
1996
Efficiency Ratio
profitability
Value: 72.61%
Peer Median: 64.48%
#1996 of 2643 Bottom 24.5% in $100M-$1B
1985
Delinquency Rate
credit_quality
Value: 1.17%
Peer Median: 0.92%
#1985 of 2633 Bottom 24.6% in $100M-$1B
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