SHELL LAKE STATE BANK

SHELL LAKE, WI | Small | Est. Nov. 16, 1916, midnight | FDIC #14911 | RSSD #896155 | FDIC
Latest Report: 2025-12-31

SHELL LAKE STATE BANK is asn small FDIC-insured commercial bank headquartered in SHELL LAKE, WI, established in Nov. 16, 1916, midnight. As of 2025-12-31, the bank reported total assets of $365M and total deposits of $319M. Profitability stands at 1.26% ROA and 12.20% ROE, with a net interest margin of 3.37%. The bank's CET1 capital ratio is 10.38%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.24% and a Texas Ratio of 1.46%. FDIC Certificate #14911.

Assets

$365M

Deposits

$319M

Loans

$233M

Equity

$38M

Profitability

Return on Assets (ROA) 1.26%
Return on Equity (ROE) 12.20%
Net Interest Margin (NIM) 3.37%
Yield on Assets 5.39%
Cost of Funds 2.09%

Asset Quality

NPL Ratio 0.24%
Net Charge-Off Ratio 0.01%
Texas Ratio 1.46%
NPA Ratio 0.16%
ACL / Loans 1.25%

Capital & Liquidity

CET1 Ratio 10.38%
Tier 1 Capital 10.38%
Total Capital Ratio 10.89%
Leverage Ratio 11.61%
Loan-to-Deposit 73.06%

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