B
Shell Lake State Bank
Rating Date
March 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Shell Lake State Bank
Shell Lake, WI
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Rating B
Asset Quality Index 9.10
Capitalization Index 10.00
Liquidity Index 2.90
Profitability Index 4.90
Stability Index 7.00
Company Info Shell Lake State Bank
Shell Lake, WI
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FDIC Number 14911
Phone Number (715) 468-7858
Website shelllakestatebank.com
Asset Quality Shell Lake State Bank
Shell Lake, WI
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1-Year Asset Growth 5.56%
5-Year Asset Growth 9.50%
5-Year Charge-Offs to Average Loans 0.02%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.16%
Non-Performing Loans to Capital 1.18%
Non-Performing Loans to Loans 0.24%
Balance Sheet Shell Lake State Bank
Shell Lake, WI
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Total Assets 364.72M
Total Deposits 318.54M
Capital and Reserves Shell Lake State Bank
Shell Lake, WI
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Capital 37.84M
Leverage Ratio 11.61
Loan Loss Reserves to Loans 1.25%
Risk-Based Capital Ratio --
Liquidity Shell Lake State Bank
Shell Lake, WI
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Hot Money Ratio 21.85%
Liquidity Ratio 29.74%
Profitability Shell Lake State Bank
Shell Lake, WI
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5-Year Return on Average Assets 1.07%
Net Income 4.51M
Net Interest Spread 3.12%
Operating Profit to Average Assets 1.25%
Overhead Efficiency Ratio 58.08%
Return on Assets 1.25%
Return on Equity 12.96%