Side-by-side · Q2 2026 data
The First National Bank of Bangor vs Shell Lake State Bank
Metric by metric
| Measure | The First National Bank of Bangor | Shell Lake State Bank |
|---|---|---|
| TellerScore | 83 | 85 (stronger) |
| Capital cushion | 100 (stronger) | 73 |
| Loan quality | 68 | 99 (stronger) |
| Earnings | 100 (stronger) | 79 |
| Funding & liquidity | 44 | 85 (stronger) |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 84th | 88th |
| Total assets | $363.7M | $361.8M |
| Deposits / shares | $225.6M | $314.2M |
| Capital ratio | 31.61% (stronger) | 12.31% |
| Problem loans | 0.95% | 0.03% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.00% |
| Return on assets | 3.38% (stronger) | 1.48% |
| Loans ÷ deposits | 135.3% | 75.6% (stronger) |
| Uninsured deposits | 20.8% | 10.8% (stronger) |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.3% | — |
Shell Lake State Bank has the higher TellerScore (85 vs 83). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Bangor leads on 3 and Shell Lake State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.