TellerScore

Dairy State Bank (FDIC certificate #17162) is based in Rice Lake, Wisconsin. Its Q2 2026 call report shows $730.3M in total assets and $630.4M in deposits and 12 offices.

Dairy State Bank has a TellerScore of 80 out of 100 (strong) based on Q2 2026 data — higher than 77% of its 2,650 banks with $100 million – $1 billion. Among 154 banks headquartered in Wisconsin, it ranks 44th. Problem-loan coverage contributes the most (99/100, 0.3%); earnings contributes the least (62/100, 1.04%).

TellerScore · Q2 2026

Scorecard

Capital cushion70/100
Tier 1 leverage ratio: 11.96%
Loan quality98/100
Noncurrent loans ÷ total loans: 0.06%
Earnings62/100
Return on assets (annualized): 1.04%
Funding & liquidity82/100
Loans ÷ deposits and uninsured-deposit share: 62.4% · 28.8% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.27%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (77 → 80), mostly because the capital cushion component improved by 9 points.

TellerScore
687480Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202471
Q3 202471
Q4 202468
Q1 202571
Q2 202577
Q3 202579
Q4 202578
Q1 202677
Q2 202680
Tier 1 leverage ratio
5.00%8.48%11.96%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.39%
Q3 202410.37%
Q4 202410.49%
Q1 202510.75%
Q2 202511.11%
Q3 202511.57%
Q4 202511.59%
Q1 202611.42%
Q2 202611.96%
Noncurrent loans
0.03%0.29%0.56%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.08%
Q3 20240.07%
Q4 20240.56%
Q1 20250.56%
Q2 20250.04%
Q3 20250.03%
Q4 20250.03%
Q1 20260.06%
Q2 20260.06%
Return on assets
0.49%0.76%1.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.49%
Q3 20240.50%
Q4 20240.54%
Q1 20250.96%
Q2 20250.87%
Q3 20250.87%
Q4 20250.83%
Q1 20260.87%
Q2 20261.04%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$730.3M11.96%0.06%1.04%62.4%
Q1 202677$749.6M11.42%0.06%0.87%60.0%
Q4 202578$732.1M11.59%0.03%0.83%59.8%
Q3 202579$720.9M11.57%0.03%0.87%58.1%
Q2 202577$720.6M11.11%0.04%0.87%55.1%
Q1 202571$743.9M10.75%0.56%0.96%52.7%
Q4 202468$746.2M10.49%0.56%0.54%53.8%
Q3 202471$760.4M10.37%0.07%0.50%53.3%
Q2 202471$740.6M10.39%0.08%0.49%53.2%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.96%
65th
Total risk-based capital0.00%
24th
Problem loans0.06%
77th
Net charge-offs0.00%
57th
Return on assets1.04%
36th
Net interest margin2.99%
10th
Efficiency ratio61.6%
52nd
Loans to deposits62.4%
80th
Uninsured deposits28.8%
32nd
Loan-loss reserves2.00%
94th
Texas ratio0.3%
82nd

Similar-size banks in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
Woodtrust BankBank Wisconsin Rapids, WI68 out of 100, Moderate$734.8M10.9%1.33%vs
Northwestern BankBank Chippewa Falls, WI80 out of 100, Strong$725.6M11.2%0.03%vs
Chippewa Valley BankBank Hayward, WI74 out of 100, Strong$735.8M8.7%0.22%vs
Bank of LuxemburgBank Luxemburg, WI68 out of 100, Moderate$723.4M9.6%0.18%vs
Bank of Prairie du SacBank Prairie Du Sac, WI88 out of 100, Very strong$744.5M13.7%0.00%vs
Fortifi BankBank Berlin, WI58 out of 100, Moderate$750.4M12.6%2.40%vs

Deposit insurance

Is my money safe at Dairy State Bank?

Yes. Dairy State Bank is an FDIC-insured institution (FDIC certificate #17162). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 28.8% of deposits ($181.3M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.96%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

12 locations

Branches

Dairy State Bank lists 11 offices in 10 cities. Most locations:

  • Menomonie, WI (2)
  • Birchwood, WI (1)
  • Bloomer, WI (1)
  • Colfax, WI (1)
  • Cumberland, WI (1)
  • Downsville, WI (1)
  • Haugen, WI (1)
  • Prairie Farm, WI (1)
  • Rice Lake, WI (1)
  • Turtle Lake, WI (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Dairy State Bank reported 150 home-loan applications under HMDA (LEI 2549006KT1XNB09W2M78): 110 originated ($32,960,000 total), 29 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 20.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Dairy State Bank
Type
State-chartered bank
FDIC certificate #
17162
RSSD ID
57451
Primary regulator
FDIC
Holding company
Dairy State Bcorp Inc
Established
January 2, 1953
Headquarters
16 S Main St, Rice Lake, WI 54868
Employees
93

Quick answers

Dairy State Bank: common questions

Is Dairy State Bank FDIC insured?

Yes. Dairy State Bank is an FDIC-insured institution (FDIC certificate #17162). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Dairy State Bank's TellerScore?

80 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Dairy State Bank ever failed?

There is no failure record for FDIC certificate #17162 in the FDIC failed bank list.

How many branches does Dairy State Bank have?

12 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Rice Lake

InstitutionScoreAssetsCapitalProblem loansCompare
Shell Lake State BankBank Shell Lake, WI85 out of 100, Very strong$361.8M12.3%0.03%vs
Westconsin Credit UnionCredit union Menomonie, WI78 out of 100, Strong$2.2B12.9%0.64%vs
Cumberland Federal Bank, FSBBank Cumberland, WI78 out of 100, Strong$341.6M10.1%0.19%vs
Sterling BankBank Barron, WI77 out of 100, Strong$352.4M9.4%0.02%vs
Johnson BankBank Racine, WI73 out of 100, Strong$7.1B12.3%0.23%vs
Royal Credit UnionCredit union Eau Claire, WI73 out of 100, Strong$5.9B10.8%0.43%vs