The Stephenson National Bank and Trust

Headquarters

1818 Hall Ave
Marinette, WI 54143
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 2.55% →
1-Year CD 0.40% 2.80% →
2-Year CD 0.50% 3.20% →
5-Year CD 0.85% 3.65% →
30-Year Mortgage N.A. 6.31% →
15-Year Mortgage N.A. 5.86% →
HELOC N.A. 2.79% →

2022 Overview

General Bank Information

The Stephenson National Bank and Trust is an FDIC insured institution located in Marinette, WI. It was founded in 1874 and has approximately $0.66 billion in assets. Customers can open an account at one of its 9 branches.

FDIC Insured Yes
FDIC Certificate # 5306
Date Established 1874
Assets $ 664.31 million
Loans $ 421.69 million
Deposits $ 579.99 million
Capital $ 51.13 million
 

For a more detailed analysis of The Stephenson National Bank and Trust's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - August 10, 2022

Your Current Location: California, CA 92111

Savings and Money Market Rates APY MIN MAX
Savings
0.05% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.10% $10,000 $14,999 Learn More
Money Market
0.10% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
6 Mo CD
0.20% $10,000 $14,999 Learn More
6 Mo CD
0.20% $100,000 $199,999 Learn More
12 Mo CD
0.40% $10,000 $14,999 Learn More
12 Mo CD
0.40% $100,000 $199,999 Learn More
24 Mo CD
0.50% $10,000 $14,999 Learn More
24 Mo CD
0.50% $100,000 $199,999 Learn More
36 Mo CD
0.60% $10,000 $14,999 Learn More
36 Mo CD
0.60% $100,000 $199,999 Learn More
48 Mo CD
0.70% $10,000 $14,999 Learn More
48 Mo CD
0.70% $100,000 $199,999 Learn More
60 Mo CD
0.85% $10,000 $14,999 Learn More
60 Mo CD
0.85% $100,000 $199,999 Learn More

Variable IRA Rates APY MIN MAX
Var IRA
0.30% $1 $499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.01% $1 $99 Learn MoreShow Less
Int Ckg
0.01% $2,500 $3,499 Learn MoreShow Less
 

Loan Rates - August 10, 2022

Your Current Location: California, CA 92111

There are currently no loan rates available for The Stephenson National Bank and Trust

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - California 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Monthly
Payment
Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
6.468% 6.375%
0.88 points
$2,442 fees
$1,560 Learn More
District Lending
NMLS ID: 598623
4.334% 4.250%
1.00 points
$2,500 fees
$1,230 Learn More

Featured - California Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 4.990 %
After Intro: 6.250 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to The Stephenson National Bank and Trust
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Branches

The Stephenson National Bank and Trust branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
San Diego,California


The Stephenson National Bank and Trust Locations



Climate Initiatives

The Stephenson National Bank and Trust is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

Financial Details

The Stephenson National Bank and Trust Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of The Stephenson National Bank and Trust. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
The Stephenson National Bank and Trust U.S. Bank Average
5.85% 4.01%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2022, The Stephenson National Bank and Trust had $3,462,000 in non-current loans and $7,000 in owned real estate. To cover these potential losses it had $51,130,000 in equity and $8,201,000 in loans loss reserves. That gives it a Texas Ratio of 5.85%.

Return on Equity
The Stephenson National Bank and Trust U.S. Bank Average
18.46% 9.01%

The Stephenson National Bank and Trust has a Return on Equity of 18.46% versus the BestCashCow average of 9.01%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
The Stephenson National Bank and Trust U.S. Bank Average
7.7% 10.66%

The Stephenson National Bank and Trust has a Capitalization of 7.7% versus the BestCashCow average of 10.66. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

The Stephenson National Bank and Trust Balance Sheet Analysis

As of March 31, 2022, The Stephenson National Bank and Trust had assets of $664,307,000, loans of $421,686,000, and deposits of $579,986,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2022
ASSETS
Cash & Balances due from depository institutions $ 21.18 million
Interest-bearing balances $ 12.93 million
Total securities $ 190.88 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 421.69 million
Loan loss allowance $ 8.20 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.01 million
Goodwill and other intangibles $ 2.53 million
All other assets $ 19.16 million
     Total Assets $ 613.18 million
LIABILITIES
Total deposits $ 579.99 million
      Interest-bearing deposits $ 466.03 million
      Deposits held in domestic offices $ 579.99 million
      % insured (estimated) 71.31%
Federal funds purchased and repurchase agreements $ 23.70 million
Trading liabilities N.A.
Other borrowed funds $ 5.19 million
Subordinated debt N.A.
All other liabilities $ 4.30 million
      Total Liabilities $ 613.18 million
      Shareholders’ Equity $ 51.13 million

Summary Income Statement

March 31, 2022
INCOME AND EXPENSES
Total Interest Income $ 5.79 million
Total Interest Expense $ 0.24 million
Net interest income $ 5.54 million
Provision for loan and lease losses $ 0.15 million
Total non interest income $ 2.16 million
Total non interest expense $ 4.80 million
Pre-tax Net Operating Income $ 2.76 million

Bank Loan Profile?

The top three loan types in The Stephenson National Bank and Trust’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in Wisconsin, The Stephenson National Bank and Trust has a significantly higher percent of Consumer Auto Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 25.12
Multifamily
Mortgages
1.90
Credit Card Loans 0.04
Consumer Auto Loans 4.04
Small Business Loans 0.00
Construction and Development Loans 8.74
Commercial Real Estate 37.80
Commercial and Industrial Loans 18.17
Farm Loans 0.00

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