Side-by-side · Q2 2026 data
Shell Lake State Bank vs Johnson Bank
Metric by metric
| Measure | Shell Lake State Bank | Johnson Bank |
|---|---|---|
| TellerScore | 85 (stronger) | 73 |
| Capital cushion | 73 | 73 |
| Loan quality | 99 (stronger) | 92 |
| Earnings | 79 (stronger) | 72 |
| Funding & liquidity | 85 (stronger) | 28 |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 88th | 70th |
| Total assets | $361.8M | $7.1B |
| Deposits / shares | $314.2M | $5.6B |
| Capital ratio | 12.31% | 12.33% (stronger) |
| Problem loans | 0.03% (stronger) | 0.23% |
| Net charge-offs | 0.00% | -0.06% (stronger) |
| Return on assets | 1.48% (stronger) | 1.30% |
| Loans ÷ deposits | 75.6% (stronger) | 94.2% |
| Uninsured deposits | 10.8% (stronger) | 49.0% |
| Offices | 5 | 32 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.8% |
Shell Lake State Bank has the higher TellerScore (85 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Shell Lake State Bank leads on 5 and Johnson Bank on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Hayward, WI
- Spooner, WI