Shell Lake State Bank
Shell Lake, WI
IDRSSD: 896155
Total Assets
$364.72M
Latest filing
Total Deposits
$318.54M
Latest filing
Net Interest Margin
3.28%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
091809472SHELL LAKE, WI
Key People
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Locations
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Main Office
Shell Lake State Bank
102 W 5th Ave
Shell Lake, WI 54871
Full Service - Brick and Mortar
Updated 01/30/2026Established 11/16/1916FDIC Certificate 9338
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Shell Lake State Bank (Main) | 102 W 5th Ave | Shell Lake, WI |
| SPOONER BRANCH | 219 N River St | Spooner, WI |
| STONE LAKE WI BRANCH | 5836 North 1st Street | Stone Lake, WI |
| MINONG WI BRANCH | 401 5th Ave | Minong, WI |
| SHELL LAKE STATE BANK - HAYWARD BRANCH | 15818 Railroad Street | Hayward, WI |
Showing 4 of 4
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 Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 11/16/1916 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 54871 |
| State and County Number | 55129 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 09 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 51 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 12/05/1934 |
| Primary Insurance Agency | DIF |
| Website | www.shelllakestatebank.com |
| Data Updated | 01/30/2026 |
| CERT | 14911 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $364.72M |
| Total Deposits | $318.54M |
| Total Liabilities | $326.88M |
| Total Equity Capital | $37.84M |
| Net Income | $1.14M |
| Net Loans and Leases | $229.79M |
| Assets Per Employee ($Millions) | $7.44M |
| Bank Premises and Fixed Assets | $3.69M |
| Cash and Balances due from Depository Institutions | $6.18M |
| Deposits Held in Domestic Offices | $318.54M |
Key Performance Ratios
| Return on Assets (ROA) | 1.26% |
| Return on Equity (ROE) | 12.2% |
| Net Interest Margin | 3.28% |
| Efficiency Ratio | 59.56% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.1% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.376% |
| Earning Assets to total Assets | 94.03% |
Income and Expense
| Total Interest Income | $4.51M |
| Total Noninterest Income | $230.00k |
| Total Interest Expense | $1.69M |
| Total Noninterest Expense | $1.82M |
| Net Interest Income | $2.82M |
| Pre-tax Net Operating Income | $1.15M |
| Provision for Credit Losses | $90.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $50.00k |
| Other borrowed funds | $5.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $9.17M |
| Federal Funds Purchased and Repurchased Agreement | $1.21M |
| All Other Liabilities | $2.13M |
| Total Liabilities and Capital | $364.72M |
Securities
| Securities | $103.91M |
| Available-for-sale debt securities | $102.13M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $1.72M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Shell Lake State Bank?
$364.72M as of the latest filing.
How much are Shell Lake State Bank's total deposits?
$318.54M in total deposits.
Where is Shell Lake State Bank located?
Shell Lake, WI.
What is the Net Interest Margin?
3.28%.
How many domestic offices does it operate?
5.
When was it established?
11/16/1916.
What is the Return on Assets (ROA)?
1.26%.
How much are total loans and leases?
$229.79M (latest filing).
What is the total interest income (latest filing)?
$4.51M.