Total Assets
$365M
Total balance-sheet footings
FDIC Cert #14911 · Shell Lake, Wisconsin · Est. 1916
Shell Lake State Bank - FDIC Bank Health Profile
A community-scale look at Shell Lake State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $365M
- Total assets
- A
- Health grade · Excellent
- 1.27%
- Return on assets
- 11.6%
- Tier 1 capital
Data updated July 2026
The verdict
Shell Lake State Bank earns a PlainBankData health grade of A (80/100), with well-capitalized at 11.60% Tier 1, profitable at 1.27% ROA, efficient (58% cost ratio).
- #2,221
- largest of 4,313 FDIC banks by assets
- 49th
- percentile by asset size, nationally
- 11.60%
- Tier 1 ratio - above the 10% well-capitalized line
- 63rd
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Shell Lake State Bank's 80/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Shell Lake State Bank's composite health score
Tier 1 Capital Ratio (11.60%) 28/40
Return on Assets (ROA) (1.27%) 20/25
Texas Ratio (1.34%) 20/20
Efficiency Ratio (58.08%) 12/15
80 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$319M
Customer-funded liabilities
Net Loans
$230M
Outstanding loan book
Net Income
$5M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Shell Lake State Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Shell Lake State Bank's score of 80/100 falls in the highlighted band.
Shell Lake State Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Shell Lake State Bank's $365M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.60% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.60%
Texas Ratio
1.34%
Equity Capital
$38M
Profitability metrics
Return on Assets (ROA)
63rd percentile nationally
1.27%
Return on Equity (ROE)
12.97%
Efficiency Ratio
58.08%
What the numbers say about Shell Lake State Bank
Shell Lake State Bank is an FDIC-insured institution (Certificate #14911) headquartered in Shell Lake, Wisconsin, established in 1916. It holds $365M in total assets - 2,221st of 4,313 FDIC-insured banks, $319M in customer deposits, and $230M in net loans. Its capital position: a Tier 1 ratio of 11.60%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 1.34% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (80 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Shell Lake State Bank sits 84th of 155 banks headquartered in Wisconsin by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$17M
Interest Income
$1M
Non-Interest Income
$7M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Shell Lake State Bank reports a Texas Ratio of 1.34% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.34% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Wisconsin by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Shell Lake State Bank (FDIC Cert #14911) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Wisconsin
All Wisconsin banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Associated Bank, National AssociationGreen Bay | $45.1B | A | 1.10% |
| Nicolet National BankGreen Bay | $9.2B | A | 1.66% |
| Johnson BankRacine | $7.2B | A | 1.07% |
| Town Bank, National AssociationHartland | $4.5B | A | 1.27% |
| Bank First, N.A.Manitowoc | $4.5B | A | 1.64% |
| First Business BankMadison | $4.1B | B | 1.36% |
| John Deere Financial, f.s.b.Middleton | $3.4B | A | 3.87% |
| Lake Ridge BankMiddleton | $3.3B | B | 0.98% |
Frequently asked questions
What is Shell Lake State Bank's health grade?▼
Shell Lake State Bank receives a health grade of A (80/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Shell Lake State Bank?▼
Shell Lake State Bank holds $365M in total assets and $319M in deposits, ranking 2,221st of 4,313 FDIC-insured banks by asset size. It is headquartered in Shell Lake, Wisconsin.
Is my money safe at Shell Lake State Bank?▼
Yes, deposits at Shell Lake State Bank (Certificate #14911) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Shell Lake State Bank's Tier 1 Capital Ratio?▼
Shell Lake State Bank has a Tier 1 Capital Ratio of 11.60%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Shell Lake State Bank?▼
Shell Lake State Bank has a Texas Ratio of 1.34%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Shell Lake State Bank?▼
Shell Lake State Bank has an Efficiency Ratio of 58.08%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Shell Lake State Bank's profile as a depositor or analyst.
- Shell Lake State Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Shell Lake State Bank against other Wisconsin banks before moving funds. Wisconsin banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.