🏦Bank Scorer

THE STEPHENSON NATIONAL BANK AND TRUST

MARINETTE, WI · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1874FDIC #5,306
Satisfactory Same

Current rating · Exam: September 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.60%

Institution Profile

FDIC BankFind

Address

1818 Hall Ave, MARINETTE, WI

County

Marinette County

Established

October 30, 1874

Total Assets

$684M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

September 12, 2022

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Sep 2026(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$684M

Total Deposits

$596M

Net Loans

$504M

Net Income

$3M

ROA

1.60%

ROE

18.16%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate10.05%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

6

Branch Deposits

$593M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202420975.6%10.05%
202325480.71%9.06%
202224479.1%5.33%
202152382.41%4.78%
202073188.1%3.83%
201932085%5.00%
201831481.85%8.60%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 1994

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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