The Stephenson National Bank and Trust
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Data as of · sourced from FFIEC call reports. How we update
The Stephenson National Bank and Trust is an FDIC-insured commercial bank headquartered in Marinette, WI, established in 1874 (FDIC certificate 5306), and it is supervised by the OCC. At Q2 2026 it reported total assets of $676.8M, down 1.4% from Q2 2025, the 49th largest of 153 banks headquartered in Wisconsin. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.07% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 5306
- Headquarters
- Marinette, WI
- Established
- 1874
- Total assets, Q2 2026
- $676.8M
- Assets vs Q2 2025
- -1.4%
- Tier 1 leverage ratio, Q2 2026
- 10.07%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 075901011
- Latest call report
- Q2 2026, FFIEC 051 · The Stephenson National Bank and Trust call report
- Holding company
- STEPHENSON NATIONAL BANCORP, INC.
- Asset rank in state
- 49th of 153 in Wisconsin
Problem loans are rising at The Stephenson National Bank and Trust. Its balance sheet stood at $677 million at June 30, 2026, down 1.4% from a year earlier; it is based in Marinette, Wisconsin. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.15% of loans from 0.68% a year earlier. It spends about 77 cents to bring in each dollar of revenue, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also lost 0.8% of its deposits over the year, lower than about three-quarters of banks its size (median 4.0%).
Net income for the quarter slipped 22% from a year earlier, to $2.1 million. The non-owner-occupied commercial real estate book ($120 million) is worsening: 0.60% of it is past due or on nonaccrual, up from 0.06% a year earlier. Credit is the area to watch: it carries problem assets equal to 9.5% of the capital and reserves that would absorb them, 3.6 times the median of 2.6% for banks its size.
As of June 30, 2026, The Stephenson National Bank and Trust reported a return on assets of 1.20%, a nonperforming-loan ratio of 1.15% and a Texas ratio of 9.50%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Stephenson National Bank and Trust is the 49th largest of the 153 banks headquartered in Wisconsin. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.1% to $676.8M, loans fell 2.3% and deposits fell 1.3%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 27.6% of total loans, followed by non-owner-occupied commercial real estate loans at 24.0%. The FDIC Summary of Deposits lists 6 offices for it, in 6 cities across 2 states; its Marinette office books 45% of its branch deposits. On its Q2 2026 call report, The Stephenson National Bank and Trust meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1818 Hall Ave, Marinette, WI 54143
- County
- Marinette
- Metro Area
- Marinette, WI-MI
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- October 30, 1874
- Former names
- The Stephenson National Bank and Trust (1978)
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 121
- Domestic deposits
- $588.0M
- Allowance for credit losses
- $7.2M
- Net charge-offs (YTD)
- $22K
- Average total assets
- $688.8M
- Average total loans
- $505.2M
- Average interest-bearing deposits
- $481.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 5306
- Fed RSSD
- 598048
- Website
- http://www.snbt.com →
- Parent Holding Company
- STEPHENSON NATIONAL BANCORP, INC. (RSSD 1245509)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The Stephenson National Bank and Trust reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
The Stephenson National Bank and Trust's total assets moved between a low of $652.6M (Q3 2023) and a high of $700.9M (Q1 2024) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$676.8M total assets against $686.5M; $615.1M total liabilities against $628.0M.
$492.1M net loans and leases against $494.1M; $588.0M total deposits against $592.5M.
$136.0M securities against $146.6M; $16.9M cash and balances due against $12.6M.
$9.3M total interest income against $8.9M; $2.8M total interest expense against $3.2M.
$6.5M net interest income against $5.8M.
$2.4M total noninterest income against $2.2M; $6.9M total noninterest expense against $5.4M.
-$59K provision for credit losses against $23K.
$2.1M net income against $2.6M.
1.20% return on assets against 1.51%; 4.01% net interest margin against 3.46%.
10.07% tier 1 leverage ratio against 9.70%.
Inside the full The Stephenson National Bank and Trust terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
The Stephenson National Bank and Trust rankings
Its closest position to the top of a national ranking is 686 of 3,640, for Texas Ratio; its furthest is 3,144 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.29% (Q4 2024) to 1.67% (Q3 2025) and its net interest margin ran from 3.17% (Q3 2024) to 4.01% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.07% | 1.20% | 1.15% | 9.50% | 4.01% |
| Q1 2026 | 9.78% | 1.58% | 1.07% | 8.97% | 3.86% |
| Q4 2025 | 9.74% | 0.44% | 0.39% | 3.74% | 3.79% |
| Q3 2025 | 9.78% | 1.67% | 0.43% | 4.07% | 3.77% |
| Q2 2025 | 9.70% | 1.51% | 0.68% | 8.20% | 3.46% |
| Q1 2025 | 9.48% | 1.19% | 1.07% | 8.50% | 3.21% |
| Q4 2024 | 9.45% | 0.29% | 1.12% | 9.20% | 3.24% |
| Q3 2024 | 9.46% | 0.70% | 1.17% | 9.12% | 3.17% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Stephenson National Bank and Trust | Marinette , WI | 54143 | $266.2M |
| Menominee Branch | Menominee , MI | 49858 | $120.0M |
| Oconto Branch | Oconto , WI | 54153 | $86.7M |
| Crivitz Branch | Crivitz , WI | 54114 | $52.9M |
| The Stephenson National Bank and Trust | Wausaukee , WI | 54177 | $43.6M |
| Pembine Branch | Pembine , WI | 54156 | $18.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 25, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 25, 2014 | Structure Change | Acquired Bank North Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in WI, rank 65 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 230 applications, 180 loans originated, $34.9M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 8 loans, $4.7M approved, $590K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Stephenson National Bank and Trust
What are The Stephenson National Bank and Trust's total assets?
As of the Q2 2026 filing, The Stephenson National Bank and Trust reported total assets of $676.8 million in its FFIEC call report.
Where is The Stephenson National Bank and Trust headquartered?
It is headquartered in Marinette, WI, United States.
When was The Stephenson National Bank and Trust founded?
It was established in 1874, per the FDIC institution directory.
Is The Stephenson National Bank and Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #5306). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Stephenson National Bank and Trust?
The Stephenson National Bank and Trust's primary federal regulator is the OCC.
How many branches does The Stephenson National Bank and Trust operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Stephenson National Bank and Trust's Texas Ratio?
Its Texas Ratio is 9.50% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was The Stephenson National Bank and Trust previously called?
The charter now named The Stephenson National Bank and Trust has also operated as The Stephenson National Bank and Trust (1978), per FDIC structure-change records.
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