Dairy State Bank
Rice Lake, WI · Cert 17162 · Peer group: banks under $1B in assets in WI (n=110-113) · Dairy State Bcorp Inc.
State charter, non-member · FDIC · 12 branches
Q2 2026
$730.3MAssets
$401.2MLoans
$630.4MDeposits
$82.2MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 68% of banks under $1B in assets in WI (rank 36 of 110).
- Widest gap: net interest margin trails 92% of banks under $1B in assets in WI (rank 104 of 113).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.05%
Rank 73 of 113
Net Interest Margin
2.81%
Rank 104 of 113
Efficiency Ratio
61.60%
Rank 54 of 113
Equity / Assets
11.25%
Rank 46 of 113
Non-interest income vs. expense
Unfavorable gap of $12.0M · efficiency ratio beats 53% of banks under $1B in assets in WI | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.05% | 0.85% | 1.17% | 1.51% | Beats 35% | 73 / 113 | | |
| Return on Equity | 9.33% | 7.70% | 10.77% | 13.67% | Beats 34% | 75 / 113 | | |
| Net Interest Margin | 2.81% | 3.19% | 3.59% | 3.89% | Beats 8% | 104 / 113 | | |
| Efficiency Ratio | 61.60% | 54.61% | 62.43% | 71.88% | Beats 53% | 54 / 113 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.06% | 0.03% | 0.24% | 0.91% | Beats 68% | 36 / 110 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 59% | 47 / 110 | | |
| Capital |
| Tier 1 Capital Ratio | 11.96% | 11.22% | 12.95% | 15.76% | Beats 34% | 75 / 113 | | |
| Total Risk-Based Capital Ratio | 11.96% | 11.57% | 13.59% | 16.73% | Beats 28% | 81 / 113 | | |
| Equity / Assets | 11.25% | 9.17% | 10.74% | 13.13% | Beats 59% | 46 / 113 | | |
| Liquidity & Funding |
| Loans / Deposits | 63.64% | 76.54% | 86.37% | 98.93% | 13th pctl | 97 / 112 | | |
| Loans / Assets | 54.93% | 63.07% | 71.33% | 78.84% | 15th pctl | 96 / 113 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |