Call reports 2026
STEPHENSON NATIONAL BANK AND TRUST, THE — 2026
What STEPHENSON NATIONAL BANK AND TRUST, THE reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 684,088,000 | 676,836,000 |
| Total loans | 510,906,000 | 499,278,000 |
| Allowance for loan losses | 7,300,000 | 7,167,000 |
| Securities available for sale | 138,395,000 | 136,035,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 595,960,000 | 588,025,000 |
| Interest-bearing deposits | 489,393,000 | 475,652,000 |
| Noninterest-bearing deposits | 106,567,000 | 112,373,000 |
| Equity capital | 60,745,000 | 61,776,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 9,372,000 | 18,629,000 |
| Interest expense | 2,931,000 | 5,681,000 |
| Net interest income | 6,441,000 | 12,948,000 |
| Noninterest income | 2,340,000 | 4,754,000 |
| Noninterest expense | 5,948,000 | 12,854,000 |
| Provision for loan losses | -356,000 | -478,000 |
| Pretax income | 2,761,000 | 4,835,000 |
| Income tax | 0 | 9,000 |
| Net income | 2,761,000 | 4,826,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 68,237,000 | 69,196,000 |