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Shell Lake State Bank

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Shell Lake State Bank Rates & Review August 2026

Q: How many branches does Shell Lake State Bank operate?

Shell Lake State Bank currently maintains approximately 5 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Shell Lake State Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Shell Lake State Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 30, 2026

Shell Lake State Bank rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.92%, 6-month CD rates at 2.77% and 3-month CD rates at 2.55%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not Shell Lake State Bank, and you can see how they compare in the Shell Lake State Bank rate tables below. MonitorBankRates evaluates the financial stability of Shell Lake State Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.25%. Database rates last updated and verified on 08/30/2026.

Shell Lake State Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Shell Lake State Bank? Share your experience about Shell Lake State Bank by leaving a review below, or read customer reviews before you decide to use Shell Lake State Bank.

Exceptional Health Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.25%

Excellent Lower than avg

Shell Lake State Bank

102 W 5th Ave
Shell Lake, WI 54871

https://www.shelllakestatebank.com

Current Rate Availability

We're not currently displaying rates for Shell Lake State Bank, but our database is updated constantly — check back soon for the latest offers.

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Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Shell Lake State Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Shell Lake State Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Shell Lake State Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Shell Lake State Bank

Bank Holding Company SHELL LAKE BCORP INC

Address 102 W 5th Ave, Shell Lake, WI 54871 · Washburn

Website https://www.shelllakestatebank.com

FDIC Certificate # 14911

Established 11/16/1916

FDIC Insurance Date 12/05/1934

Domestic Offices 5

Total Branches 5

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.25%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.1249%

Return on Equity (ROE) 12.8000%

Non-Performing Loans (NPL) 0.02%

Total Assets $364,718,000

Total Deposits $318,536,000

Equity Capital $37,843,000

Net Income $4,512,000

Headquarters Shell Lake

Total Branches and Offices 5

Source: FDIC | Last Updated 12/31/2025

2026 MBR Health & Safety Badge

Shell Lake State Bank earned the Exceptional Health badge

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Total Reviews

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Frequently Asked Questions About Shell Lake State Bank

How many branches does Shell Lake State Bank operate?

Shell Lake State Bank currently maintains approximately 5 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Shell Lake State Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Shell Lake State Bank provides members with tools to manage their accounts and build a solid financial history.

Does Shell Lake State Bank offer online and mobile banking?

Most modern institutions like Shell Lake State Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.shelllakestatebank.com.