Shell Lake State Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 3.40 percentage points higher than in Q1 2026, at 84.60%. Shell Lake State Bank ranks 118th of 153 Wisconsin banks on loan-to-deposit ratio, in the lower half at 76.63% (Q2 2026). Shell Lake State Bank reported 76.63% on loan-to-deposit ratio for Q2 2026, 3.92 points below the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $240.8M |
| Net loans and leases | $237.7M |
| Loans held for sale | $0 |
| Loans to total assets | 66.55% |
| Loan-to-deposit ratio | 76.63% |
| Net loans to equity capital | 6.04% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.75% |
| Multifamily (5+ residential) | 1.79% |
| Commercial and industrial | 3.91% |
| Consumer | 4.22% |
| Credit cards | 0.03% |
| Farm | 0.83% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.95% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 84.60% |
| Construction concentration (Tier 1 capital + allowance) | 52.02% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.16% |
| Interest income on loans | $3.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $205.8M | $268.1M | 15.67% | 4.85% | 5.83% |
| Q4 2023 | $208.9M | $270.0M | 15.41% | 4.47% | 5.71% |
| Q1 2024 | $210.8M | $270.7M | 15.15% | 4.86% | 5.49% |
| Q2 2024 | $221.6M | $280.3M | 16.17% | 4.90% | 5.14% |
| Q3 2024 | $223.2M | $291.7M | 14.33% | 4.39% | 4.98% |
| Q4 2024 | $225.0M | $294.7M | 13.96% | 4.11% | 4.74% |
| Q1 2025 | $227.2M | $291.1M | 14.34% | 4.45% | 4.64% |
| Q2 2025 | $227.0M | $298.7M | 14.10% | 4.32% | 4.48% |
| Q3 2025 | $229.8M | $312.4M | 13.99% | 3.94% | 4.54% |
| Q4 2025 | $232.7M | $318.5M | 14.44% | 3.84% | 4.35% |
| Q1 2026 | $238.4M | $309.9M | 13.96% | 3.82% | 4.26% |
| Q2 2026 | $240.8M | $314.2M | 13.75% | 3.91% | 4.22% |
Shell Lake State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Shell Lake State Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Shell Lake State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14911) · FFIEC NIC profile (RSSD 896155)