Shell Lake State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Shell Lake State Bank of Shell Lake, WI against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.42% | 1.25% | +0.17% | 57th above |
| ROAE | 13.41% | 13.17% | +0.24% | 55th above |
| Net Interest Margin | 3.48% | 3.95% | -0.47% | 26th below |
| Efficiency Ratio | 57.00% | 61.50% | -4.50% | 62nd above |
| PPNR / Avg Assets | 1.49% | — | — | 43rd below |
| Yield on Earning Assets | 5.25% | 5.67% | -0.42% | 32nd below |
| Cost of Funds | 1.93% | 1.87% | +0.06% | 41st below |
| Net Interest Spread | 2.81% | — | — | 25th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.03% | 0.93% | -0.90% | 81st top |
| NPA / Total Assets | 0.02% | — | — | 83rd top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 76th top |
| ACL / Total Loans | 1.28% | — | — | 60th above |
| ACL / NPLs (Coverage) | 4178.38% | — | — | — |
| Texas Ratio | 0.17% | 7.34% | -7.17% | 86th top |
| Provision / NCO | 5866.67% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.31% | 11.75% | +0.56% | 68th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.87% | 10.98% | -0.11% | 57th above |
| TCE / Tangible Assets | 10.87% | — | — | 61st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 76.63% | 80.44% | -3.81% | 58th above |
| Core Deposit Ratio | 89.94% | 86.95% | +2.99% | 54th above |
| Wholesale Funding Ratio | 1.70% | — | — | 73rd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.48% | — | — | 42nd below |
| Loan Growth (Y/Y) | 6.05% | — | — | 54th above |
| Deposit Growth (Y/Y) | 5.18% | — | — | 58th above |
See Shell Lake State Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Shell Lake State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Shell Lake State Bank profile, how to read a UBPR, or how this data updates.