Shell Lake State Bank is a bank based in Shell Lake, Wisconsin, established in 1916, with $358 million in total assets across 5 branches. By Trust Grade it ranks 25th of 154 banks we track in Wisconsin. Its capital ratio of 10.6% is stronger than 57% of similarly sized banks, versus a Wisconsin median of 10.4%. It was profitable over the most recent period, with a 1.53% return on assets. No consumer complaints against Shell Lake State Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Shell Lake State Bank compares to Wisconsin peers
How we graded Shell Lake State Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (10.6% capital ratio)
- Strongly profitable (ROA 1.53%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Shell Lake State Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (5)
- 219 N River St, Spooner, WI 54801
- 5836 North 1st Street, Stone Lake, WI 54876
- 401 5th Ave, Minong, WI 54859
- 15818 Railroad Street, Hayward, WI 54843
- 102 W 5th Ave, Shell Lake, WI 54871
Are deposits at Shell Lake State Bank insured?
Yes. Shell Lake State Bank is an FDIC-insured bank (FDIC certificate #14911). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Shell Lake State Bank: frequently asked questions
Is Shell Lake State Bank a good bank?
Shell Lake State Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (10.6% capital ratio); Strongly profitable (ROA 1.53%).
Is Shell Lake State Bank FDIC-insured?
Yes. Shell Lake State Bank is a FDIC-insured bank (FDIC certificate #14911). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Shell Lake State Bank?
Shell Lake State Bank holds $358 million in total assets, ranking 25th of 154 banks we track in Wisconsin. It operates 5 branches.
Does Shell Lake State Bank have CFPB complaints?
No CFPB complaints against Shell Lake State Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
