Side-by-side · Q2 2026 data
Shell Lake State Bank vs Dairy State Bank
Metric by metric
| Measure | Shell Lake State Bank | Dairy State Bank |
|---|---|---|
| TellerScore | 85 (stronger) | 80 |
| Capital cushion | 73 (stronger) | 70 |
| Loan quality | 99 (stronger) | 98 |
| Earnings | 79 (stronger) | 62 |
| Funding & liquidity | 85 (stronger) | 82 |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 88th | 77th |
| Total assets | $361.8M | $730.3M |
| Deposits / shares | $314.2M | $630.4M |
| Capital ratio | 12.31% (stronger) | 11.96% |
| Problem loans | 0.03% (stronger) | 0.06% |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 1.48% (stronger) | 1.04% |
| Loans ÷ deposits | 75.6% | 62.4% (stronger) |
| Uninsured deposits | 10.8% (stronger) | 28.8% |
| Offices | 5 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 20.3% |
Shell Lake State Bank has the higher TellerScore (85 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Shell Lake State Bank leads on 5 and Dairy State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.