Total Assets
$693M
Total balance-sheet footings
FDIC Cert #5306 · Marinette, Wisconsin · Est. 1874
The Stephenson National Bank and Trust - FDIC Bank Health Profile
A community-scale look at The Stephenson National Bank and Trust's own numbers, pulled straight from its quarterly FDIC Call Report.
- $693M
- Total assets
- B
- Health grade · Good
- 1.22%
- Return on assets
- 9.7%
- Tier 1 capital
Data updated July 2026
The verdict
The Stephenson National Bank and Trust earns a PlainBankData health grade of B (66/100), with 9.74% Tier 1 capital, profitable at 1.22% ROA, 65% efficiency ratio.
- #1,393
- largest of 4,313 FDIC banks by assets
- 68th
- percentile by asset size, nationally
- 9.74%
- Tier 1 ratio - below the 10% well-capitalized line
- 59th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How The Stephenson National Bank and Trust's 66/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Stephenson National Bank and Trust's composite health score
Tier 1 Capital Ratio (9.74%) 18/40
Return on Assets (ROA) (1.22%) 20/25
Texas Ratio (2.91%) 20/20
Efficiency Ratio (65.22%) 8/15
66 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$590M
Customer-funded liabilities
Net Loans
$511M
Outstanding loan book
Net Income
$8M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Stephenson National Bank and Trust ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Stephenson National Bank and Trust's score of 66/100 falls in the highlighted band.
The Stephenson National Bank and Trust's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The Stephenson National Bank and Trust's $693M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.74% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.74%
Texas Ratio
2.91%
Equity Capital
$61M
Profitability metrics
Return on Assets (ROA)
59th percentile nationally
1.22%
Return on Equity (ROE)
14.54%
Efficiency Ratio
65.22%
What the numbers say about The Stephenson National Bank and Trust
The Stephenson National Bank and Trust is an FDIC-insured institution (Certificate #5306) headquartered in Marinette, Wisconsin, established in 1874. It holds $693M in total assets - 1,393rd of 4,313 FDIC-insured banks, $590M in customer deposits, and $511M in net loans. Capital-wise, the Tier 1 ratio sits at 9.74%, falling short of the federal 10% well-capitalized bar; the Texas Ratio reads 2.91%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (66 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
The Stephenson National Bank and Trust sits 47th of 155 banks headquartered in Wisconsin by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$36M
Interest Income
$9M
Non-Interest Income
$21M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Stephenson National Bank and Trust reports a Texas Ratio of 2.91% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.91% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Wisconsin by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Stephenson National Bank and Trust (FDIC Cert #5306) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Wisconsin
All Wisconsin banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Associated Bank, National AssociationGreen Bay | $45.1B | A | 1.10% |
| Nicolet National BankGreen Bay | $9.2B | A | 1.66% |
| Johnson BankRacine | $7.2B | A | 1.07% |
| Town Bank, National AssociationHartland | $4.5B | A | 1.27% |
| Bank First, N.A.Manitowoc | $4.5B | A | 1.64% |
| First Business BankMadison | $4.1B | B | 1.36% |
| John Deere Financial, f.s.b.Middleton | $3.4B | A | 3.87% |
| Lake Ridge BankMiddleton | $3.3B | B | 0.98% |
Frequently asked questions
What is The Stephenson National Bank and Trust's health grade?▼
The Stephenson National Bank and Trust receives a health grade of B (66/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is The Stephenson National Bank and Trust?▼
The Stephenson National Bank and Trust holds $693M in total assets and $590M in deposits, ranking 1,393rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Marinette, Wisconsin.
Is my money safe at The Stephenson National Bank and Trust?▼
Yes, deposits at The Stephenson National Bank and Trust (Certificate #5306) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Stephenson National Bank and Trust's Tier 1 Capital Ratio?▼
The Stephenson National Bank and Trust has a Tier 1 Capital Ratio of 9.74%. Regulators set the "well-capitalized" bar at 10%; this bank still clears the lower 6% "adequately capitalized" minimum.
What is the Texas Ratio for The Stephenson National Bank and Trust?▼
The Stephenson National Bank and Trust has a Texas Ratio of 2.91%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The Stephenson National Bank and Trust?▼
The Stephenson National Bank and Trust has an Efficiency Ratio of 65.22%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Stephenson National Bank and Trust's profile as a depositor or analyst.
- The Stephenson National Bank and Trust's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Stephenson National Bank and Trust against other Wisconsin banks before moving funds. Wisconsin banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.