BlastPoint's Banking Scorecard

The Stephenson National Bank and Trust

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

Marinette, WI

7 branches across WI · MI

2664 banks in the $100M-$1B peer group nationally 113 in WI

The Stephenson National Bank and Trust has 3 strengths but faces 3 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 18.6% in tier
+ ROA 0.33% above tier average
+ Net Interest Margin 0.05% above tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 5.9% in tier
- Efficiency Ratio 2.45% above tier average
- Delinquency Rate 0.20% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$684.1M -0.8% YoY -1.3% QoQ	+$298.0M	$386.1M +0.5% YoY	$1.1B +10.1% YoY	$6.2B +9.1% YoY	Top 13.4% in tier
Total Loans ?	$503.6M +4.6% YoY -1.4% QoQ	+$247.9M	$255.7M +1.1% YoY	$816.7M +9.9% YoY	$3.2B +10.8% YoY	Top 10.7% in tier
Total Deposits ?	$596.0M +2.3% YoY +1.0% QoQ	+$268.0M	$328.0M +0.1% YoY	$905.4M +9.0% YoY	$4.8B +8.2% YoY	Top 12.7% in tier
Return on Assets ?	1.60% +32.4% YoY +31.0% QoQ	+0.33%	1.27% +12.9% YoY	1.50% +15.4% YoY	1.23% +13.4% YoY	73%
Net Interest Margin ?	3.98% +19.8% YoY +8.2% QoQ	+0.05%	3.93% +6.0% YoY	3.77% +9.2% YoY	3.89% +5.7% YoY	56%
Efficiency Ratio ?	67.74% -1.7% YoY +3.9% QoQ	+2.45%	65.29% -4.5% YoY	64.74% -4.5% YoY	66.95% -4.1% YoY	38%
Delinquency Rate ?	1.08% -0.6% YoY +177.0% QoQ	+0.20%	0.89% +18.8% YoY	0.87% +31.3% YoY	0.95% +18.8% YoY	27%
Loan-to-Deposit Ratio ?	84.50% +2.2% YoY -2.4% QoQ	+7.87%	76.64% +0.8% YoY	86.53% +1.6% YoY	76.70% +0.9% YoY	36%
Non-Interest-Bearing Deposit Share ?	17.88% +4.6% YoY -0.5% QoQ	-4.14%	22.02% -1.0% YoY	18.27% -0.8% YoY	22.01% -1.2% YoY	36%
Nonperforming Asset Ratio ?	0.87% +14.7% YoY +140.8% QoQ	+0.24%	0.64% +19.7% YoY	0.63% +35.0% YoY	0.67% +19.3% YoY	23%
Tier 1 Capital Ratio ?	9.78% +3.2% YoY +0.4% QoQ	-6.05%	15.83% +1.5% YoY	14.74% +0.5% YoY	17.06% +0.8% YoY	Bottom 6.9% in tier
Non-Interest Income / Assets ?	0.34% +9.9% YoY -73.4% QoQ	+0.06%	0.28% +9.3% YoY	1.15% +12.5% YoY	0.32% +4.1% YoY	Top 5.6% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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

#125 of 666 • Top 18.6% 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: 0.34%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 1.60%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (1)

Capital Thin

risk

#40 of 666 • Bottom 5.9% 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: 9.78%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

149

Non-Interest Income / Assets

revenue_mix

Value: 0.34%

Peer Median: 0.28%

#149 of 2664 Top 5.6% in $100M-$1B

287

Total Loans

size

Value: $503.61M

Peer Median: $255.72M

#287 of 2664 Top 10.7% in $100M-$1B

338

Total Deposits

size

Value: $595.96M

Peer Median: $327.97M

#338 of 2664 Top 12.7% in $100M-$1B

357

Total Assets

size

Value: $684.09M

Peer Median: $386.08M

#357 of 2664 Top 13.4% in $100M-$1B

Top Weaknesses (2 metrics)

2480

Tier 1 Capital Ratio

capital

Value: 9.78%

Peer Median: 15.83%

#2480 of 2664 Bottom 6.9% in $100M-$1B

2045

Nonperforming Asset Ratio

credit_quality

Value: 0.87%

Peer Median: 0.64%

#2045 of 2664 Bottom 23.3% in $100M-$1B