Side-by-side · Q2 2026 data
Shell Lake State Bank vs West Pointe Bank
Metric by metric
| Measure | Shell Lake State Bank | West Pointe Bank |
|---|---|---|
| TellerScore | 85 (stronger) | 84 |
| Capital cushion | 73 | 100 (stronger) |
| Loan quality | 99 (stronger) | 70 |
| Earnings | 79 | 100 (stronger) |
| Funding & liquidity | 85 (stronger) | 49 |
| Problem-loan coverage | 100 (stronger) | 93 |
| Peer percentile | 88th | 86th |
| Total assets | $361.8M | $368.8M |
| Deposits / shares | $314.2M | $260.2M |
| Capital ratio | 12.31% | 19.41% (stronger) |
| Problem loans | 0.03% (stronger) | 0.91% |
| Net charge-offs | 0.00% | -1.90% (stronger) |
| Return on assets | 1.48% | 2.33% (stronger) |
| Loans ÷ deposits | 75.6% (stronger) | 116.0% |
| Uninsured deposits | 10.8% (stronger) | 15.7% |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.0% |
Shell Lake State Bank has the higher TellerScore (85 vs 84). On the 7 directional measures above (where higher or lower is clearly better), Shell Lake State Bank leads on 4 and West Pointe Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.