C
The Stephenson National Bank and Trust
Rating Date
October 2025
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 5.30
Capitalization Index 8.20
Liquidity Index 2.10
Profitability Index 5.40
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 0.84%
5-Year Asset Growth 5.67%
5-Year Charge-Offs to Average Loans 0.02%
Charge-Offs to Average Loans 0.02%
Non-Performing Assets to Assets 0.57%
Non-Performing Loans to Capital 2.85%
Non-Performing Loans to Loans 0.67%
Balance Sheet The Stephenson National Bank and Trust
Marinette, WI
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Total Assets 689.52M
Total Deposits 594.55M
Capital and Reserves The Stephenson National Bank and Trust
Marinette, WI
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Capital 60.95M
Leverage Ratio 9.78
Loan Loss Reserves to Loans 1.39%
Risk-Based Capital Ratio --
Liquidity The Stephenson National Bank and Trust
Marinette, WI
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Hot Money Ratio 13.34%
Liquidity Ratio 18.00%
Profitability The Stephenson National Bank and Trust
Marinette, WI
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5-Year Return on Average Assets 1.21%
Net Income 7.65M
Net Interest Spread 3.48%
Operating Profit to Average Assets 1.46%
Overhead Efficiency Ratio 66.60%
Return on Assets 1.46%
Return on Equity 17.83%