Shell Lake State Bank
Shell Lake, WI · Cert 14911 · Peer group: banks under $1B in assets in WI (n=109-112) · Shell Lake Bcorp Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
$361.8MAssets
$240.8MLoans
$314.2MDeposits
$39.3MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 73% of banks under $1B in assets in WI (rank 30 of 109).
- Widest gap: net interest margin trails 76% of banks under $1B in assets in WI (rank 85 of 112).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.16%
Rank 57 of 112
Net Interest Margin
3.18%
Rank 85 of 112
Efficiency Ratio
56.98%
Rank 37 of 112
Equity / Assets
10.87%
Rank 50 of 112
Non-interest income vs. expense
Unfavorable gap of $6.1M · efficiency ratio beats 68% of banks under $1B in assets in WI | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.16% | 0.85% | 1.17% | 1.51% | Beats 49% | 57 / 112 | |
| Return on Equity | 10.68% | 7.87% | 10.91% | 13.85% | Beats 47% | 59 / 112 | |
| Net Interest Margin | 3.18% | 3.19% | 3.59% | 3.89% | Beats 24% | 85 / 112 | |
| Efficiency Ratio | 56.98% | 54.87% | 62.73% | 72.61% | Beats 68% | 37 / 112 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.03% | 0.03% | 0.22% | 0.91% | Beats 73% | 30 / 109 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 50% | 57 / 109 | |
| Capital |
| Tier 1 Capital Ratio | 12.31% | 11.22% | 12.95% | 15.76% | Beats 40% | 67 / 112 | |
| Total Risk-Based Capital Ratio | 12.31% | 11.57% | 13.59% | 16.73% | Beats 32% | 76 / 112 | |
| Equity / Assets | 10.87% | 9.17% | 10.74% | 13.13% | Beats 55% | 50 / 112 | |
| Liquidity & Funding |
| Loans / Deposits | 76.63% | 75.89% | 86.36% | 98.49% | 26th pctl | 82 / 111 | |
| Loans / Assets | 66.55% | 64.03% | 71.52% | 78.98% | 32nd pctl | 76 / 112 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |