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Shell Lake State Bank

Shell Lake, WI
IDRSSD: 896155
Total Assets
$363.87M
Latest filing
Total Deposits
$312.43M
Latest filing
Net Interest Margin
3.20%
Profitability
0

Quarterly Trends

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Total Assets vs Total Liabilities

Loans & Leases vs Deposits

Interest Income vs Expense

Net Interest Income

Noninterest Expense vs Income

Net Income

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Institution Profile

Institution ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date11/16/1916
Community BankYes
Ownership TypeNot Mutual
ZIP54871
State and County Number55129
Subchapter S CorporationsYes
Trust PowersN/A
Federal Reserve ID Number09
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictChicago
Core Based Statistical Area NameN/A

Operational Info

Number of Employees48
Domestic Offices5
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance12/05/1934
Primary Insurance AgencyDIF
Websitewww.shelllakestatebank.com
Data Updated11/14/2025
CERT14911
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$363.87M
Total Deposits$312.43M
Total Liabilities$326.68M
Total Equity Capital$37.19M
Net Income$1.22M
Net Loans and Leases$226.95M
Assets Per Employee ($Millions)$7.13M
Bank Premises and Fixed Assets$2.52M
Cash and Balances due from Depository Institutions$4.36M
Deposits Held in Domestic Offices$312.43M

Key Performance Ratios

Return on Assets (ROA)1.37%
Return on Equity (ROE)13.67%
Net Interest Margin3.2%
Efficiency Ratio55.52%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.1%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets10.22%
Earning Assets to total Assets94.91%

Income and Expense

Total Interest Income$4.39M
Total Noninterest Income$295.00k
Total Interest Expense$1.68M
Total Noninterest Expense$1.66M
Net Interest Income$2.70M
Pre-tax Net Operating Income$1.24M
Provision for Credit Losses$90.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$10.00M
Federal Funds Sold & Reverse Repurchase Agreement$13.31M
Federal Funds Purchased and Repurchased Agreement$2.13M
All Other Liabilities$2.12M
Total Liabilities and Capital$363.87M

Securities

Securities$105.05M
Available-for-sale debt securities$102.74M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$2.25M
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of Shell Lake State Bank?
$363.87M as of the latest filing.
How much are Shell Lake State Bank's total deposits?
$312.43M in total deposits.
Where is Shell Lake State Bank located?
Shell Lake, WI.
What is the Net Interest Margin?
3.20%.
How many domestic offices does it operate?
5.
When was it established?
11/16/1916.
What is the Return on Assets (ROA)?
1.37%.
How much are total loans and leases?
$226.95M (latest filing).
What is the total interest income (latest filing)?
$4.39M.