The Stephenson National Bank and Trust: how it compares with its peers
Against 67 WI banks with half to twice its assets, The Stephenson National Bank and Trust's strongest measure in Q2 2026 is net interest margin (4.03% vs. a 3.79% peer median). Its weakest relative measure is assets per employee ($5.6M vs. $7.6M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.41% | 1.39% | Middle third Ahead of 55% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.03% | 3.79% | Top third Ahead of 69% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 72.61% | 58.61% | Bottom third Ahead of 18% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.6M | $7.6M | Bottom third Ahead of 10% of peers |
| Loans to deposits Net loans and leases over total deposits. | 83.69% | 89.10% | Context |
What it means for lending operations
Its efficiency ratio of 72.61% is above the 58.61% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Community State Bank Union Grove, WI · $667M
- AbbyBank Abbotsford, WI · $662M
- Citizens State Bank of La Crosse La Crosse, WI · $649M
- Community First Bank Boscobel, WI · $634M
- Bank of Luxemburg Luxemburg, WI · $723M
- Northwestern Bank Chippewa Falls, WI · $726M
Questions about The Stephenson National Bank and Trust
How big is The Stephenson National Bank and Trust?
The Stephenson National Bank and Trust, established in 1874, is headquartered in Marinette, WI. It reported $677M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is The Stephenson National Bank and Trust's return on assets?
1.41% annualized in Q2 2026, against a 1.39% median for 67 WI banks with half to twice its assets, ahead of 55% of them.
What is The Stephenson National Bank and Trust's efficiency ratio?
72.61% in Q2 2026: it spent about 73 cents in noninterest expense for each dollar of revenue. The peer median is 58.61%, and lower is better.
Is The Stephenson National Bank and Trust growing its loans?
Net loans shrank 0.4% over the year to Q2 2026, while deposits shrank 0.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are WI banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Wisconsin bank ranked.