BlastPoint's Banking Scorecard
The Stephenson National Bank and Trust
Community
Specialty: Commercial
WI
FDIC cert 5306
Marinette, WI
1484
banks in Community tier nationally
63 in WI
View Community leaderboard (WI) →
The Stephenson National Bank and Trust has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 42% in Community
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 25% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$693.4M
+1.8% YoY
+0.6% QoQ
|
-$698.1M |
$1.4B
+2.0% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
26% |
| Total Loans ? |
$510.8M
+8.3% YoY
+2.6% QoQ
|
-$464.7M |
$975.5M
+2.4% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
33% |
| Total Deposits ? |
$589.9M
+2.5% YoY
-0.8% QoQ
|
-$574.7M |
$1.2B
+1.7% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
27% |
| Return on Assets ? |
1.22%
+11.2% YoY
-17.6% QoQ
|
+0.06% |
1.16%
+17.2% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
58% |
| Net Interest Margin ? |
3.68%
+11.0% YoY
+1.9% QoQ
|
+0.02% |
3.66%
+9.1% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
52% |
| Efficiency Ratio ? |
65.22%
-4.9% YoY
-2.1% QoQ
|
+2.58% |
62.63%
-5.3% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
40% |
| Delinquency Rate ? |
0.39%
-65.6% YoY
-10.0% QoQ
|
-0.24% |
0.63%
+18.3% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
54% |
| Loan-to-Deposit Ratio ? |
86.58%
+5.7% YoY
+3.4% QoQ
|
+3.52% |
83.06%
+0.3% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
17.97%
-1.6% YoY
+0.6% QoQ
|
-3.07% |
21.05%
-0.9% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
39% |
| Nonperforming Asset Ratio ? |
0.36%
-54.0% YoY
-7.7% QoQ
|
-0.14% |
0.50%
+20.3% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
49% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
1.29%
-0.5% YoY
+32.7% QoQ
|
+0.55% |
0.74%
-1.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
Top 9% in tier |
Signature Analysis
Strengths (1)
Revenue Diversifier
growth
#157 of 371 · Top 42% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.29%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.22%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank declining
Concerns (1)
Capital Thin
risk
#109 of 432 · Bottom 25% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
91
91th pctile
Non-Interest Income / Assets
Current: 1.29% · Tier avg: 0.74%
58
58th pctile
Return on Assets
Current: 1.22% · Tier avg: 1.16%
56
56th pctile
Loan-to-Deposit Ratio
Current: 86.58% · Tier avg: 83.06%
54
54th pctile
Delinquency Rate
Current: 0.39% · Tier avg: 0.63%
52
52th pctile
Net Interest Margin
Current: 3.68% · Tier avg: 3.66%
49
49th pctile
Nonperforming Asset Ratio
Current: 0.36% · Tier avg: 0.50%
40
40th pctile
Efficiency Ratio
Current: 65.22% · Tier avg: 62.63%
39
39th pctile
Non-Interest-Bearing Deposit Share
Current: 17.97% · Tier avg: 21.05%
33
33th pctile
Total Loans
Current: $510.8M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
27
27th pctile
Total Deposits
Current: $589.9M · Tier avg: $1.2B
26
26th pctile
Total Assets
Current: $693.4M · Tier avg: $1.4B
Top Weaknesses
26
26th pctile
Total Assets
Current: $693.4M · Tier avg: $1.4B
27
27th pctile
Total Deposits
Current: $589.9M · Tier avg: $1.2B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
33
33th pctile
Total Loans
Current: $510.8M · Tier avg: $975.5M
39
39th pctile
Non-Interest-Bearing Deposit Share
Current: 17.97% · Tier avg: 21.05%
40
40th pctile
Efficiency Ratio
Current: 65.22% · Tier avg: 62.63%
49
49th pctile
Nonperforming Asset Ratio
Current: 0.36% · Tier avg: 0.50%
52
52th pctile
Net Interest Margin
Current: 3.68% · Tier avg: 3.66%
54
54th pctile
Delinquency Rate
Current: 0.39% · Tier avg: 0.63%
56
56th pctile
Loan-to-Deposit Ratio
Current: 86.58% · Tier avg: 83.06%
58
58th pctile
Return on Assets
Current: 1.22% · Tier avg: 1.16%
91
91th pctile
Non-Interest Income / Assets
Current: 1.29% · Tier avg: 0.74%