| Metric | Shell Lake State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +4.4% | -0.9 pts |
| Deposit growth (YoY) | +5.2% | +4.0% | +1.2 pts |
| Loan growth (YoY) | +6.0% | +5.6% | +0.4 pts |
| ROA | 1.48% | 1.24% | +0.2 pts |
| ROE | 13.9% | 11.9% | +2.1 pts |
ROA ranks in the 65th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $361.8M | $314.2M | $237.7M | $39.3M | $2.7M | 1.48% | 3.42% | 0.02% |
| Q1 2026 | $357.5M | $309.9M | $235.3M | $37.9M | $1.4M | 1.53% | 3.38% | 0.06% |
| Q4 2025 | $364.7M | $318.5M | $229.8M | $37.8M | $4.5M | 1.27% | 3.15% | 0.16% |
| Q3 2025 | $363.9M | $312.4M | $227.0M | $37.2M | $3.4M | 1.28% | 3.09% | 0.03% |
| Q2 2025 | $349.7M | $298.7M | $224.2M | $34.3M | $2.1M | 1.24% | 3.05% | 0.04% |
| Q1 2025 | $345.8M | $291.1M | $224.4M | $33.1M | $1.1M | 1.31% | 3.04% | 0.04% |
| Q4 2024 | $345.5M | $294.7M | $222.3M | $31.4M | $3.3M | 0.97% | 2.81% | 0.03% |
| Q3 2024 | $350.7M | $291.7M | $220.6M | $34.3M | $2.5M | 1.01% | 2.73% | 0.08% |
Loan mix (Q2 2026): real estate $211.3M · commercial $9.4M · consumer $10.2M · securities $98.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Shell Lake State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.48% | 1.24% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 13.9% | 11.9% | 63rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.42% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.0% | 62.9% | 32nd |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Shell Lake State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Shell Lake State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Shell Lake State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Shell Lake State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Shell Lake State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
5 branches in 2 counties across 1 state (+0 vs 2024) · $298.7M branch deposits. Biggest market: Washburn, WI, ranked 1st with 53.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Washburn, WI | 3 | $257.4M | 53.20% | 1st |
| Sawyer, WI | 2 | $41.4M | 6.35% | 6th |
Wisconsin: 121st with 0.12% ·
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 5