Side-by-side · Q2 2026 data
Shell Lake State Bank vs Cumberland Federal Bank, FSB
Metric by metric
| Measure | Shell Lake State Bank | Cumberland Federal Bank, FSB |
|---|---|---|
| TellerScore | 85 (stronger) | 78 |
| Capital cushion | 73 (stronger) | 51 |
| Loan quality | 99 (stronger) | 94 |
| Earnings | 79 (stronger) | 75 |
| Funding & liquidity | 85 | 99 (stronger) |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 88th | 72nd |
| Total assets | $361.8M | $341.6M |
| Deposits / shares | $314.2M | $287.5M |
| Capital ratio | 12.31% (stronger) | 10.06% |
| Problem loans | 0.03% (stronger) | 0.19% |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 1.48% (stronger) | 1.39% |
| Loans ÷ deposits | 75.6% | 60.9% (stronger) |
| Uninsured deposits | 10.8% (stronger) | 14.4% |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Shell Lake State Bank has the higher TellerScore (85 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Shell Lake State Bank leads on 5 and Cumberland Federal Bank, FSB on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.