The Stephenson National Bank and Trust

Overview / Commentary

www.snbt.com

715-732-1732

1818-1820 Hall Avenue
Marinette, WI 54143

The Stephenson National Bank and Trust is headquartered in Marinette and is the 41^st largest bank in the state of Wisconsin. It is also the 1,384^th largest bank in the nation. It was established in 1874 and as of December of 2019, it had grown to 115 employees at 7 locations. The Stephenson National Bank and Trust's money market rates are 36% higher than the national average, and it has an A health rating.

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Health

Data as of Q4 2019

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Health Grade Components

Overall
FDIC Certificate #	5306
Year Established	1874
Employees	115
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.2%
Return on Equity - YTD	11.77%
Annual Interest Income	$22.4MM

Assets and Liabilities
Assets	Q4 2019vs Q4 2018	$530.6MM$520.8MM
Loans	Q4 2019vs Q4 2018	$350.4MM$326.5MM
Deposits	Q4 2019vs Q4 2018	$428.0MM$432.8MM
Equity Capital	Q4 2019vs Q4 2018	$55.7MM$49.6MM
Loan Loss Allowance	Q4 2019vs Q4 2018	$5.0MM$4.8MM
Unbacked Noncurrent Loans	Q4 2019vs Q4 2018	$3.5MM$3.6MM
Real Estate Owned	Q4 2019vs Q4 2018	$333.00K$2.1MM

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

The Stephenson National Bank and Trust Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.80%^*	$250k^*	-	IRA Savings
OTHER TIERS: 0.30% → Up to $50k \| 0.50% → $50k - $150k \| 0.70% → $150k - $250k
0.05%	$50	-	Health Savings Account
0.05%	$50	-	Savings
0.05%	$50	-	Business Savings
0.01%	-	-	Club Savings

The Stephenson National Bank and Trust Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.60%^*	$500k^*	-	Premium Money Market
OTHER TIERS: 0.10% → Up to $150k \| 0.30% → $150k - $250k \| 0.40% → $250k - $500k
0.35%^*	$100k^*	-	Progressive Money Market
OTHER TIERS: 0.05% → Up to $10k \| 0.15% → $10k - $50k \| 0.25% → $50k - $100k
0.35%^*	$100k^*	-	Business Progressive Money Market
OTHER TIERS: 0.05% → Up to $10k \| 0.15% → $10k - $50k \| 0.25% → $50k - $100k

The Stephenson National Bank and Trust Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.55%	-	-	IOLTA/IBRETA
0.15%^*	$500k^*	-	Sterling Rewards
OTHER TIERS: 0.01% → Up to $25k \| 0.05% → $25k - $100k \| 0.10% → $100k - $500k
0.05%	-	-	Hometown Business Checking
0.01%	$50	-	eTransaction Account

The Stephenson National Bank and Trust CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.85%	$1k	-	60 Month CD
0.85%	$1k	-	Business 60 Month CD
0.75%	$10k	-	13 Month CD Special
0.70%	$1k	-	48 Month CD
0.70%	$1k	-	Business 48 Month CD
0.60%	$1k	-	36 Month CD
0.60%	$1k	-	Business 36 Month CD
0.50%	$1k	-	24 Month CD
0.50%	$1k	-	Business 24 Month CD
0.40%	$1k	-	12 Month CD
0.40%	$100	-	24 Month Homebuyer CD
0.40%	$1k	-	Business 12 Month CD
0.35%	$100	-	12 Month Add-on CD
0.20%	$2.5k	-	6 Month CD
0.20%	$2.5k	-	Business 6 Month CD
0.15%	$2.5k	-	Business 3 Month CD

The Stephenson National Bank and Trust IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.75%	$10k	-	13 Month IRA Special
0.70%	$1k	-	48 Month IRA
0.60%	$1k	-	36 Month IRA
0.50%	$1k	-	24 Month IRA
0.40%	$1k	-	12 Month IRA

Locations

The Stephenson National Bank and Trust Locations
Menominee Branch	1111 10th Street	Menominee, MI 49858
The Stephenson National Bank and Trust	1818-1820 Hall Avenue	Marinette, WI 54143
Oconto Branch	101 Bralick Way	Oconto, WI 54153
Marquette Branch	115 S. Lakeshore Blvd. Suite D	Marquette, MI 49855

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