Advertisement
The Stephenson National Bank And Trust
Marinette, WI · FDIC Certificate #5306 · Chartered 10/3
Total assets
$676.84M
Total deposits
$588.02M
Total equity
$61.78M
Net loans
$492.11M
Branches (offices)
6
Net income (YTD)
$4.83M
Rank: #1,405 of 4,213 U.S. banks by assets · #49 of 153 in Wisconsin. Assets changed -1.4% and deposits -0.8% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.41% |
| Return on equity | 15.79% |
| Net interest margin (YTD) | 4.03% |
| Equity to assets | 9.13% |
| Tier 1 leverage ratio | 10.07% |
| Uninsured deposits (share of deposits) | 14.9% |
| Noncurrent loans (share of loans) | 1.15% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 83.7% |
| Real estate loans (share of loans) | 80.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $393.47M | 80.0% | |
| Commercial & industrial | $54.54M | 11.1% | |
| Consumer / individual | $47.70M | 9.7% | |
| Construction & development | $24.99M | 5.1% | |
| Agricultural | $2.05M | 0.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $655.25M | $565.06M | $4.96M | $44.48M |
| Jun 2023 | $661.49M | $565.26M | $2.36M | $43.80M |
| Jun 2024 | $672.08M | $569.01M | $5.75M | $50.26M |
| Jun 2025 | $686.52M | $592.53M | $4.71M | $58.49M |
| Jun 2026 | $676.84M | $588.02M | $4.83M | $61.78M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Wisconsin | $468.01M | 5 |
| Michigan | $120.01M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $588.02M.
Similar-sized banks
Farmers Bank ($678.41M) · The Hardin County Bank ($676.67M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement