C
The Stephenson National Bank and Trust
Rating Date
March 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings The Stephenson National Bank and Trust
Marinette, WI
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Rating C
Asset Quality Index 5.10
Capitalization Index 8.10
Liquidity Index 2.50
Profitability Index 4.70
Stability Index 6.80
Company Info The Stephenson National Bank and Trust
Marinette, WI
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FDIC Number 5306
Phone Number (715) 732-1732
Website www.snbt.com
Asset Quality The Stephenson National Bank and Trust
Marinette, WI
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1-Year Asset Growth 1.80%
5-Year Asset Growth 2.02%
5-Year Charge-Offs to Average Loans 0.02%
Charge-Offs to Average Loans 0.02%
Non-Performing Assets to Assets 0.56%
Non-Performing Loans to Capital 3.61%
Non-Performing Loans to Loans 0.64%
Balance Sheet The Stephenson National Bank and Trust
Marinette, WI
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Total Assets 693.38M
Total Deposits 589.93M
Capital and Reserves The Stephenson National Bank and Trust
Marinette, WI
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Capital 60.91M
Leverage Ratio 9.74
Loan Loss Reserves to Loans 1.48%
Risk-Based Capital Ratio --
Liquidity The Stephenson National Bank and Trust
Marinette, WI
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Hot Money Ratio 12.14%
Liquidity Ratio 17.74%
Profitability The Stephenson National Bank and Trust
Marinette, WI
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5-Year Return on Average Assets 1.21%
Net Income 8.42M
Net Interest Spread 3.56%
Operating Profit to Average Assets 1.20%
Overhead Efficiency Ratio 65.22%
Return on Assets 1.20%
Return on Equity 14.49%