Branch Network
Shell Lake State Bank Locations & Branches Shell Lake, Wisconsin
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Shell Lake State Bank operates 5 branches from its headquarters in Shell Lake, WI, .
Shell Lake State Bank branch network
All 5 branches are in WISCONSIN, across 5 cities. Its largest office by deposits is the Spooner Branch office in Spooner, WI, with $125.1M (39.8% of its branch deposits). It had the same number of branches on June 30, 2025.
Shell Lake State Bank at a glance
It reports no CET1 ratio; its Tier 1 leverage ratio was 12.31% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Total assets, Q2 2026
- $361.8M
- Tier 1 leverage ratio, Q2 2026
- 12.31%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Established
- 1916
Full financial profile · Is Shell Lake State Bank safe? · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Shell Lake, WI (1 branch) | 1 of 1 | 100.0% | $109.4M |
| State: WI (5 branches) | 90 of 185 | 0.2% | $314.2M |
Ranked by total assets among banks headquartered in the state: Largest banks in Wisconsin.
Share by county and metro area
Shell Lake State Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Washburn, WI (3 branches) | 1 of 5 | 56.3% | $266.8M | $473.7M |
| Sawyer, WI (2 branches) | 5 of 5 | 7.2% | $47.4M | $654.0M |
Metro area share: not on file. None of this bank's branches sit in a metropolitan or micropolitan area in the FDIC branch directory.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Spooner Branch | Spooner, WI | 54801 | $125.1M |
| Shell Lake State Bank (main office) | Shell Lake, WI | 54871 | $109.4M |
| Minong Wi Branch | Minong, WI | 54859 | $32.2M |
| Shell Lake State Bank - Hayward Branch | Hayward, WI | 54843 | $26.9M |
| Stone Lake Wi Branch | Stone Lake, WI | 54876 | $20.5M |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 14911) · FFIEC NIC profile (RSSD 896155)