B
Shell Lake State Bank
Rating Date
October 2025
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 3.00
Profitability Index 4.90
Stability Index 7.10
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 3.77%
5-Year Asset Growth 12.41%
5-Year Charge-Offs to Average Loans 0.02%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.03%
Non-Performing Loans to Capital 0.26%
Non-Performing Loans to Loans 0.05%
Balance Sheet Shell Lake State Bank
Shell Lake, WI
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Total Assets 363.87M
Total Deposits 312.43M
Capital and Reserves Shell Lake State Bank
Shell Lake, WI
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Capital 37.19M
Leverage Ratio 11.85
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 21.71%
Liquidity Ratio 31.13%
Profitability Shell Lake State Bank
Shell Lake, WI
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5-Year Return on Average Assets 1.07%
Net Income 3.37M
Net Interest Spread 3.07%
Operating Profit to Average Assets 1.25%
Overhead Efficiency Ratio 57.54%
Return on Assets 1.25%
Return on Equity 13.24%