BlastPoint's Banking Scorecard
Shell Lake State Bank
Shell Lake, WI
5 branches across WI
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 110 in WI.
- Deposits +5.2% year over year ($314.2M on the books).
- Delinquency rate 0.03%.
- Return on assets 1.48%.
- Efficiency ratio 56.98% vs a 64.48% peer average.
- Loan-to-deposit ratio 75.65% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Shell Lake State Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.16% above tier average
- + Efficiency Ratio 7.50% below tier average
- + Delinquency Rate 0.89% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.56% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$361.8M
+3.5% YoY
+1.2% QoQ
|
-$24.8M |
$386.6M
+1.2% YoY
|
$1.2B
+13.5% YoY
|
$6.3B
+7.7% YoY
|
56% |
| Total Loans ? |
$237.7M
+6.0% YoY
+1.0% QoQ
|
-$20.7M |
$258.3M
+1.7% YoY
|
$860.4M
+13.3% YoY
|
$3.2B
+9.4% YoY
|
56% |
| Total Deposits ? |
$314.2M
+5.2% YoY
+1.4% QoQ
|
-$12.5M |
$326.7M
+0.7% YoY
|
$935.5M
+13.1% YoY
|
$4.9B
+7.3% YoY
|
58% |
| Return on Assets ? |
1.48%
+19.7% YoY
-3.2% QoQ
|
+0.16% |
1.32%
+10.8% YoY
|
1.56%
+18.6% YoY
|
1.30%
+12.1% YoY
|
64% |
| Net Interest Margin ? |
3.42%
+12.1% YoY
+1.3% QoQ
|
-0.56% |
3.99%
+5.0% YoY
|
3.83%
+8.5% YoY
|
3.95%
+4.9% YoY
|
24% |
| Efficiency Ratio ? |
56.98%
-2.8% YoY
+3.1% QoQ
|
-7.50% |
64.48%
-3.2% YoY
|
62.90%
-5.1% YoY
|
70.05%
+2.5% YoY
|
66% |
| Delinquency Rate ? |
0.03%
-46.7% YoY
-52.4% QoQ
|
-0.89% |
0.92%
+15.7% YoY
|
0.85%
+12.5% YoY
|
0.98%
+16.3% YoY
|
82% |
| Loan-to-Deposit Ratio ? |
75.65%
+0.8% YoY
-0.4% QoQ
|
-2.30% |
77.95%
+1.0% YoY
|
87.22%
+0.9% YoY
|
79.03%
+2.3% YoY
|
58% |
| Non-Interest-Bearing Deposit Share ? |
21.09%
-5.2% YoY
+2.1% QoQ
|
-0.94% |
22.03%
-0.6% YoY
|
18.65%
-1.9% YoY
|
21.98%
-0.6% YoY
|
50% |
| Nonperforming Asset Ratio ? |
0.02%
-45.4% YoY
-64.2% QoQ
|
-0.65% |
0.67%
+16.4% YoY
|
0.63%
+16.4% YoY
|
0.69%
+15.8% YoY
|
84% |
| Tier 1 Capital Ratio ? |
12.31%
+2.6% YoY
+2.7% QoQ
|
-3.60% |
15.91%
+1.4% YoY
|
15.02%
+1.5% YoY
|
17.09%
+0.8% YoY
|
40% |
| Non-Interest Income / Assets ? |
0.18%
+17.4% YoY
+121.8% QoQ
|
-0.39% |
0.57%
+7.6% YoY
|
2.21%
+12.7% YoY
|
0.66%
+5.2% YoY
|
44% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
21.1%
-1.1pp YoY +0.4pp QoQ |
-1.1pp | 22.1% | 18.9% | 22.2% | 50% |
| Brokered Deposits |
0.6%
-1.7pp YoY 0.0pp QoQ |
-7.2pp | 7.9% | 9.2% | 8.5% | 13% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
4.0%
-0.4pp YoY +0.1pp QoQ |
-7.6pp | 11.6% | 10.5% | 12.5% | 14% |
| CRE |
26.3%
+1.9pp YoY +0.4pp QoQ |
-13.3pp | 39.5% | 46.4% | 41.4% | 28% |
| 1-4 Family |
61.8%
-1.2pp YoY -0.2pp QoQ |
+29.2pp | 32.6% | 32.3% | 31.3% | 91% |
| Consumer |
4.3%
-0.3pp YoY 0.0pp QoQ |
+0.2pp | 4.1% | 2.6% | 5.0% | 72% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 15.5% | 19.7% | n/a |
| Leverage Ratio |
12.3%
+0.3pp YoY +0.3pp QoQ |
+0.1pp | 12.2% | 12.6% | 12.6% | 68% |
| Total Capital Ratio | n/a | n/a | 19.9% | 16.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
47
-1 (-2.1%) YoY -3 (-6.0%) QoQ |
-12 | 58 | 134 | 482 | 49% |
| Assets per Employee ($) |
$7.7M
+5.7% YoY +7.7% QoQ |
+$180K | $7.5M | $8.2M | $8.8M | 64% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 9 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.9pp | 0.9% | 0.9% | 1.0% | 8% |
| Allowance Coverage |
41.78x
+93.7% YoY +109.9% QoQ |
+17.63x | 24.15x | 56.89x | 20.23x | 93% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.0% | 0.2% | 34% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.9%
+0.9pp YoY -0.6pp QoQ |
+1.8pp | 12.2% | 11.8% | 11.6% | 62% |
| Cost of Funds (YTD) |
1.8%
-0.1pp YoY 0.0pp QoQ |
+0.1pp | 1.7% | 1.8% | 1.7% | 61% |
| Net Income ($, YTD) |
$2.7M
+24.7% YoY — QoQ |
+$121K | $2.6M | $7.9M | $40.4M | 65% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.