The Stephenson National Bank and Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Stephenson National Bank and Trust of Marinette, WI against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.20% | 1.34% | -0.14% | 45th below |
| ROAE | 13.48% | 13.32% | +0.16% | 57th above |
| Net Interest Margin | 4.01% | 3.93% | +0.08% | 54th above |
| Efficiency Ratio | 77.38% | 61.12% | +16.26% | 17th bottom |
| PPNR / Avg Assets | 1.17% | 1.68% | -0.51% | 28th below |
| Yield on Earning Assets | 5.71% | 5.67% | +0.04% | 55th above |
| Cost of Funds | 1.79% | 1.88% | -0.09% | 51st above |
| Net Interest Spread | 3.53% | 3.32% | +0.21% | 61st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.50% | 0.94% | +0.56% | 18th bottom |
| NPA / Total Assets | 1.20% | 0.70% | +0.50% | 16th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 41st below |
| ACL / Total Loans | 1.44% | 1.28% | +0.16% | 74th above |
| ACL / NPLs (Coverage) | 95.48% | 1547.16% | -1451.68% | 26th below |
| Texas Ratio | 12.08% | 7.33% | +4.75% | 17th bottom |
| Provision / NCO | -2172.73% | 1398.42% | -3571.15% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.07% | 12.14% | -2.07% | 33rd below |
| Equity / Assets | 9.13% | 11.37% | -2.24% | 29th below |
| TCE / Tangible Assets | 8.93% | 11.08% | -2.15% | 30th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.91% | 80.66% | +4.25% | 40th below |
| Core Deposit Ratio | 95.22% | 86.84% | +8.38% | 85th top |
| Wholesale Funding Ratio | 3.10% | 5.04% | -1.94% | 54th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.41% | 6.85% | -8.26% | 12th bottom |
| Loan Growth (Y/Y) | -0.34% | 7.92% | -8.26% | 21st bottom |
| Deposit Growth (Y/Y) | -0.76% | 6.29% | -7.05% | 19th bottom |
See The Stephenson National Bank and Trust's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Stephenson National Bank and Trust, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Stephenson National Bank and Trust profile, how to read a UBPR, or how this data updates.