B
Shell Lake State Bank
Rating Date
August 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 2.70
Profitability Index 5.10
Stability Index 7.20
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 3.48%
5-Year Asset Growth 9.50%
5-Year Charge-Offs to Average Loans 0.02%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.02%
Non-Performing Loans to Capital 0.15%
Non-Performing Loans to Loans 0.03%
Balance Sheet Shell Lake State Bank
Shell Lake, WI
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Total Assets 361.81M
Total Deposits 314.19M
Capital and Reserves Shell Lake State Bank
Shell Lake, WI
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Capital 39.33M
Leverage Ratio 12.31
Loan Loss Reserves to Loans 1.28%
Risk-Based Capital Ratio --
Liquidity Shell Lake State Bank
Shell Lake, WI
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Hot Money Ratio 22.58%
Liquidity Ratio 26.28%
Profitability Shell Lake State Bank
Shell Lake, WI
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5-Year Return on Average Assets 1.07%
Net Income 2.68M
Net Interest Spread 3.41%
Operating Profit to Average Assets 1.45%
Overhead Efficiency Ratio 56.98%
Return on Assets 1.45%
Return on Equity 13.99%