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Shell Lake State Bank
Shell Lake, WI · FDIC Certificate #14911 · Chartered 11/1
Total assets
$361.81M
Total deposits
$314.19M
Total equity
$39.33M
Net loans
$237.68M
Branches (offices)
5
Net income (YTD)
$2.68M
Rank: #2,192 of 4,213 U.S. banks by assets · #83 of 153 in Wisconsin. Assets changed 3.5% and deposits 5.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.48% |
| Return on equity | 13.95% |
| Net interest margin (YTD) | 3.42% |
| Equity to assets | 10.87% |
| Tier 1 leverage ratio | 12.31% |
| Uninsured deposits (share of deposits) | 10.8% |
| Noncurrent loans (share of loans) | 0.03% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 75.6% |
| Real estate loans (share of loans) | 88.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $211.32M | 88.9% | |
| Commercial & industrial | $9.40M | 4.0% | |
| Consumer / individual | $10.17M | 4.3% | |
| Construction & development | $25.05M | 10.5% | |
| Agricultural | $282.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $286.85M | $250.16M | $1.57M | $28.65M |
| Jun 2023 | $311.67M | $264.77M | $1.75M | $28.45M |
| Jun 2024 | $334.94M | $280.32M | $1.51M | $30.07M |
| Jun 2025 | $349.65M | $298.72M | $2.15M | $34.34M |
| Jun 2026 | $361.81M | $314.19M | $2.68M | $39.33M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Wisconsin | $314.19M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $314.19M.
Similar-sized banks
Native American Bank, National Association ($362.04M) · Rabun County Bank ($361.51M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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