The Stephenson National Bank and Trust
Marinette, WI
IDRSSD: 598048
Total Assets
$689.52M
Latest filing
Total Deposits
$594.55M
Latest filing
Net Interest Margin
3.93%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
The Stephenson National Bank and Trust
1818 Hall Ave
Marinette, WI 54143
Full Service - Brick and Mortar
Updated 11/14/2025Established 10/30/1874FDIC Certificate 3571
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The Stephenson National Bank and Trust (Main) | 1818 Hall Ave | Marinette, WI |
| MENOMINEE BRANCH | 1111 10th St | Menominee, MI |
| CRIVITZ BRANCH | 606 Henriette Ave | Crivitz, WI |
| PEMBINE BRANCH | U.S. Highway 141 | Pembine, WI |
| OCONTO BRANCH | 101 Bralick Way | Oconto, WI |
| MESSENGER SERVICE BRANCH | 1820 Hall Ave | Marinette, WI |
| MAIN OFFICE | 290 Main St | Wausaukee, WI |
Showing 6 of 6
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
Farmers & Merchants Bank & Trust
Marinette, Wisconsin
→
Assets: $168.85MΔ -75.4%
Chippewa Valley Bank
Hayward, Wisconsin
→
Assets: $698.69MΔ +1.8%
Fortifi Bank
Berlin, Wisconsin
→
Assets: $673.36MΔ -1.9%
Northwestern Bank
Chippewa Falls, Wisconsin
→
Assets: $699.88MΔ +1.9%
Bank of Luxemburg
Luxemburg, Wisconsin
→
Assets: $709.47MΔ +3.3%
Citizens State Bank of La Crosse
La Crosse, Wisconsin
→
Assets: $662.56MΔ -3.5%
Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 10/30/1874 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 54143 |
| State and County Number | 55075 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Marinette, WI-MI |
Operational Info
| Number of Employees | 118 |
| Domestic Offices | 7 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.snbt.com |
| Data Updated | 11/14/2025 |
| CERT | 5306 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $689.52M |
| Total Deposits | $594.55M |
| Total Liabilities | $628.57M |
| Total Equity Capital | $60.95M |
| Net Income | $2.94M |
| Net Loans and Leases | $497.72M |
| Assets Per Employee ($Millions) | $5.79M |
| Bank Premises and Fixed Assets | $7.30M |
| Cash and Balances due from Depository Institutions | $13.95M |
| Deposits Held in Domestic Offices | $594.55M |
Key Performance Ratios
| Return on Assets (ROA) | 1.71% |
| Return on Equity (ROE) | 19.73% |
| Net Interest Margin | 3.93% |
| Efficiency Ratio | 64.36% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.08% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.84% |
| Earning Assets to total Assets | 93.73% |
Income and Expense
| Total Interest Income | $9.44M |
| Total Noninterest Income | $2.31M |
| Total Interest Expense | $3.09M |
| Total Noninterest Expense | $5.57M |
| Net Interest Income | $6.34M |
| Pre-tax Net Operating Income | $2.95M |
| Provision for Credit Losses | $137.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $547.00k |
| Other borrowed funds | $22.50M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $5.13M |
| All Other Liabilities | $6.39M |
| Total Liabilities and Capital | $689.52M |
Securities
| Securities | $145.73M |
| Available-for-sale debt securities | $120.22M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $25.51M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Stephenson National Bank and Trust?
$689.52M as of the latest filing.
How much are The Stephenson National Bank and Trust's total deposits?
$594.55M in total deposits.
Where is The Stephenson National Bank and Trust located?
Marinette, WI.
What is the Net Interest Margin?
3.93%.
How many domestic offices does it operate?
7.
When was it established?
10/30/1874.
What is the Return on Assets (ROA)?
1.71%.
How much are total loans and leases?
$497.72M (latest filing).
What is the total interest income (latest filing)?
$9.44M.