Shell Lake State Bank
Shell Lake, WI · Cert 14911 · Peer group: banks under $1B in assets in WI (n=110-113) · 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 74% of banks under $1B in assets in WI (rank 30 of 110).
- Widest gap: net interest margin trails 76% of banks under $1B in assets in WI (rank 86 of 113).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.16%
Rank 58 of 113
Net Interest Margin
3.18%
Rank 86 of 113
Efficiency Ratio
56.98%
Rank 38 of 113
Equity / Assets
10.87%
Rank 51 of 113
Non-interest income vs. expense
Unfavorable gap of $6.1M · efficiency ratio beats 67% of banks under $1B in assets in WI | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.16% | 0.85% | 1.17% | 1.51% | Beats 49% | 58 / 113 | | |
| Return on Equity | 10.68% | 7.70% | 10.77% | 13.67% | Beats 48% | 59 / 113 | | |
| Net Interest Margin | 3.18% | 3.19% | 3.59% | 3.89% | Beats 24% | 86 / 113 | | |
| Efficiency Ratio | 56.98% | 54.61% | 62.43% | 71.88% | Beats 67% | 38 / 113 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.03% | 0.03% | 0.24% | 0.91% | Beats 74% | 30 / 110 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 49% | 58 / 110 | | |
| Capital |
| Tier 1 Capital Ratio | 12.31% | 11.22% | 12.95% | 15.76% | Beats 40% | 68 / 113 | | |
| Total Risk-Based Capital Ratio | 12.31% | 11.57% | 13.59% | 16.73% | Beats 32% | 77 / 113 | | |
| Equity / Assets | 10.87% | 9.17% | 10.74% | 13.13% | Beats 55% | 51 / 113 | | |
| Liquidity & Funding |
| Loans / Deposits | 76.63% | 76.54% | 86.37% | 98.93% | 26th pctl | 83 / 112 | | |
| Loans / Assets | 66.55% | 63.07% | 71.33% | 78.84% | 33rd pctl | 76 / 113 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |