Major Rating Factors:
Excellent current capitalization (8.1 on a scale of 0 to 10) and a capital leverage ratio of 9.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.8 on a scale of 0 to 10).
Other Rating Factors:
A current level of 3.6 percent of nonperforming loans to core capital combined with 10.3 percent from a year earlier contributes to the Good asset quality (5.1). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.2 has resulted in Fair (4.7) profitability.
Asset Mix:
Comm re (32%), securities (20%), home mtgs (18%), comm loans (8%), consumer loans (7%), home eq lns (3%), cash (2%), other (10%)
States with Branches:
MI, WI
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Stephenson National Bancorp, Inc.
Investment Rating
--
Address
1820 Hall Avenue
Marinette, WI 54143
Marinette, WI 54143
Phone Number
(715) 732-1732
Year Founded
1874
FDIC Number
Website
Largest Affiliates
No affiliate information available.