Stephenson Nb&T (FDIC #5306): Bank Stress & Real-Estate Credit Exposure
Stephenson Nb&T (FDIC Cert #5306): bank stress 65/100, elevated, STABLE over 7 days; parent STEPHENSON NATIONAL BCORP INC.
Stephenson Nb&T (#5306) lends in 3 counties across 2 states; Stephenson Nb&T (#5306) reaches 44 ZIP codes: Wisconsin 2 counties, 30 ZIPs; Michigan 1 county, 14 ZIPs.
Stephenson Nb&T (#5306) largest markets: Oconto County, WI (19 branches, 19 ZIPs) (#5306), Marinette County, WI (64 branches, 16 ZIPs) (#5306), Menominee County, MI (14 branches, 14 ZIPs) (#5306).
Stephenson Nb&T (#5306) reports $676.8 million in total assets; Stephenson Nb&T (#5306) equity $61.8 million (9.1% of Stephenson Nb&T (#5306) assets); Stephenson Nb&T (#5306) domestic deposits $588.0 million; Stephenson Nb&T (#5306) net income $4.8 million; Stephenson Nb&T (#5306) return on assets 1.41%; Stephenson Nb&T (#5306) return on equity 15.79%; Stephenson Nb&T (#5306) net interest income $12.9 million; Stephenson Nb&T (#5306) call report June 30, 2026.
Stephenson Nb&T (#5306) noncurrent real-estate loans: none reported; Stephenson Nb&T (#5306) net charge-offs on real estate 1.16%; Stephenson Nb&T (#5306) residential charge-offs 1.56%.
Stephenson Nb&T (#5306) net interest margin 4.03% against an eight-quarter Stephenson Nb&T (#5306) average of 3.59% (Stephenson Nb&T (#5306) compression -0.44 points); Stephenson Nb&T (#5306) non-residential real estate 155.7% of equity; Stephenson Nb&T (#5306) rate-exposure score 40/100, Stephenson Nb&T (#5306) fixed-rate trap 40/100; Stephenson Nb&T (#5306) risk type credit driven; Stephenson Nb&T (#5306) rate regime rates elevated, Stephenson Nb&T (#5306) snapshot October 20, 2026.
Stephenson Nb&T (#5306) stress score moved from 61.1 on June 22, 2026 to 65.4 on October 20, 2026; Stephenson Nb&T (#5306) ranged 61.1 to 65.4 over 117 snapshots.
Stephenson Nb&T (#5306) alerts: 3 counties; top Stephenson Nb&T (#5306) alert scores: Oconto County, WI 58 (elevated); Menominee County, WI 41 (moderate); Wausaukee County, WI 23 (low).