Shell Lake State Bank

BankShell Lake, Wisconsin
www.shelllakestatebank.com

Total Assets

$364.7M

Total Deposits

$318.5M

Branches

5

Established

1916

TFS Health Grade

$
C-

70.3 / 100

Average financial health

How we grade

Shell Lake State Bank is a bank headquartered in Shell Lake, Wisconsin, established in 1916. With $364.7M in total assets and 5 branch locations, it has a TFS Financial Health Grade of C- (70.3/100).

Capital & Safety

Tier 1 Capital Ratio
11.61%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.24%

Profitability

Return on Assets (ROA)
1.27%(1%)
Return on Equity (ROE)
12.97%(10%)
Net Interest Margin
3.15%
Efficiency Ratio
58.08%(60%)

Lending & Liquidity

Total Loans
$232.7M
Loan-to-Deposit Ratio
72.14%
Net Charge-Off Ratio
0.01%

Growth

Asset Growth (YoY)
+5.56%
Deposit Growth (YoY)
+8.08%
Net Income
$4.5M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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