Bank Comparison
Shell Lake State Bank vs Citizens First Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
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11 · 2
winning metrics across 13 scored rows
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Capital adequacy
| Metric | Shell Lake State Bank | Citizens First Bank |
|---|---|---|
| CET1 Ratio | — | 9.97% |
| Tier 1 Capital Ratio | — | 9.97% |
| Total Capital Ratio | — | 11.09% |
| Tier 1 Leverage Ratio | 12.31% | 8.24% |
| Equity / Assets | 10.87% | 6.54% |
Profitability
| Metric | Shell Lake State Bank | Citizens First Bank |
|---|---|---|
| Return on Assets (ROA) | 1.42% | 1.21% |
| Return on Equity (ROE) | 13.41% | 19.30% |
| Net Interest Margin (NIM) | 3.48% | 3.34% |
| Yield on Earning Assets | 5.25% | 5.71% |
| Cost of Funds | 1.93% | 2.51% |
Asset quality
| Metric | Shell Lake State Bank | Citizens First Bank |
|---|---|---|
| Texas Ratio | 0.17% | 18.18% |
| Non-Performing Loan Ratio | 0.03% | 1.71% |
| Non-Performing Asset Ratio | 0.02% | 1.36% |
| Net Charge-Off Ratio | 0.00% | 0.01% |
| ACL / Loans | 1.28% | 1.17% |
Balance sheet
| Metric | Shell Lake State Bank | Citizens First Bank |
|---|---|---|
| Total Assets | $361.8M | $361.3M |
| Total Deposits | $314.2M | $278.7M |
| Total Loans | $240.8M | $286.5M |
| Total Equity | $39.3M | $23.6M |
| Net Income (quarter) | $1.3M | $1.1M |
Liquidity & funding
| Metric | Shell Lake State Bank | Citizens First Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 76.63% | 102.81% |
| Core Deposit Ratio | 89.94% | 73.54% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Shell Lake State Bank | Citizens First Bank |
|---|---|---|
| Headquarters City | Shell Lake | Clinton |
| Headquarters State | WI | IA |
| Asset Tier | $100M to $1B in assets | $100M to $1B in assets |
| Regulator | FDIC | FDIC |
| Domestic Branches | 5 | 3 |
| Employees (FTE) | 47 | 52 |
| Established | November 16, 1916 | March 14, 2000 |
About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of June 30, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
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