Rice Lake, WI · Cert 17162 · Dairy State Bcorp Inc.
State charter, non-member · FDIC · 12 branches
Q2 2026
Market Position · Eau Claire, WI · 2026 SOD (annual) · 1.1% share · #17 of 22 inst. · $0.0B of $3.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.87% | 0.87% | 0.83% | 0.87% | 1.04% | +17 bps | |
| Return on Equity | 9.14% | 8.93% | 8.38% | 8.22% | 9.61% | +47 bps | |
| Net Interest Margin | 2.44% | 2.55% | 2.58% | 2.72% | 2.81% | +38 bps | |
| Efficiency Ratio | 64.89% | 64.00% | 63.81% | 61.66% | 61.60% | -329 bps | |
| Non-Interest Burden | 1.42% | 1.48% | 1.50% | 1.56% | 1.61% | +19 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.69% | -5.19% | -1.88% | 0.77% | 1.34% | +403 bps | |
| Loan Growth (YoY) | 2.19% | 4.51% | 9.23% | 14.28% | 15.72% | +1,353 bps | |
| Deposit Growth (YoY) | -1.27% | -4.17% | -1.57% | 0.66% | 2.18% | +345 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.04% | 0.03% | 0.03% | 0.06% | 0.06% | +2 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.03% | 0.01% | 0.00% | 0.00% | -5 bps | |
| Allowance / Loans | 2.03% | 2.07% | 1.93% | 1.96% | 2.00% | -3 bps | |
| Allowance Coverage of NPLs | 52.5x | 60.3x | 62.4x | 31.1x | 32.9x | -19.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.11% | 11.57% | 11.59% | 11.42% | 11.96% | +84 bps | |
| Total Risk-Based Capital | 11.11% | 11.57% | 20.65% | 11.42% | 11.96% | +84 bps | |
| Equity / Assets | 10.17% | 10.59% | 10.61% | 10.64% | 11.25% | +108 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 56.19% | 59.29% | 61.02% | 61.24% | 63.64% | +744 bps | |
| Liquid Assets / Assets | 7.05% | 8.03% | 7.69% | 8.31% | 6.23% | -82 bps | |
| CRE / Total Capital | n/a | 248% | 266% | 259% | n/a | n/a | |