Side-by-side · Q2 2026 data
Chippewa Valley Bank vs Dairy State Bank
Metric by metric
| Measure | Chippewa Valley Bank | Dairy State Bank |
|---|---|---|
| TellerScore | 74 | 80 (stronger) |
| Capital cushion | 37 | 70 (stronger) |
| Loan quality | 93 | 98 (stronger) |
| Earnings | 100 (stronger) | 62 |
| Funding & liquidity | 65 | 82 (stronger) |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 57th | 77th |
| Total assets | $735.8M | $730.3M |
| Deposits / shares | $559.0M | $630.4M |
| Capital ratio | 8.74% | 11.96% (stronger) |
| Problem loans | 0.22% | 0.06% (stronger) |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 2.05% (stronger) | 1.04% |
| Loans ÷ deposits | 94.7% | 62.4% (stronger) |
| Uninsured deposits | 15.4% (stronger) | 28.8% |
| Offices | 13 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.3% | 20.3% |
Dairy State Bank has the higher TellerScore (80 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Chippewa Valley Bank leads on 2 and Dairy State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.