Shell Lake State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Securities to assets: 1.11 percentage points lower than in Q1 2026, at 27.30%. Shell Lake State Bank ranks 64th of 153 Wisconsin banks on return on assets, in the upper half at 1.42% (Q2 2026). Shell Lake State Bank reported 1.42% on return on assets for Q2 2026, 0.16 points above the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.31% |
| Equity capital to assets | 10.87% |
| Tangible equity to tangible assets | 10.87% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.03% |
| Non-performing assets ratio | 0.02% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.17% |
| Allowance for credit losses to loans | 1.28% |
| Reserve coverage of non-performing loans | 4178.38% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.42% |
| Return on equity | 13.41% |
| Net interest margin | 3.48% |
| Efficiency ratio | 57.00% |
| Yield on earning assets | 5.25% |
| Cost of funds | 1.93% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.63% |
| Core deposits to total deposits | 89.94% |
| Brokered deposits to total deposits | 0.64% |
| Deposits to assets | 86.84% |
| Securities to assets | 27.30% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.95% | 1.04% | 2.69% | 0.04% | -0.01% |
| Q4 2023 | 11.74% | 0.57% | 2.72% | 0.11% | 0.05% |
| Q1 2024 | 11.75% | 0.84% | 2.65% | 0.12% | 0.00% |
| Q2 2024 | 11.80% | 0.94% | 2.69% | 0.08% | 0.11% |
| Q3 2024 | 11.58% | 1.15% | 2.78% | 0.13% | 0.01% |
| Q4 2024 | 11.64% | 0.85% | 2.96% | 0.04% | 0.04% |
| Q1 2025 | 11.86% | 1.28% | 3.02% | 0.06% | 0.01% |
| Q2 2025 | 12.00% | 1.14% | 3.05% | 0.06% | 0.00% |
| Q3 2025 | 11.85% | 1.33% | 3.15% | 0.05% | 0.03% |
| Q4 2025 | 11.61% | 1.23% | 3.25% | 0.24% | 0.00% |
| Q1 2026 | 11.99% | 1.49% | 3.34% | 0.06% | 0.01% |
| Q2 2026 | 12.31% | 1.42% | 3.48% | 0.03% | 0.00% |
Shell Lake State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Shell Lake State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)