Side-by-side · Q2 2026 data
Dairy State Bank vs Cumberland Federal Bank, FSB
Metric by metric
| Measure | Dairy State Bank | Cumberland Federal Bank, FSB |
|---|---|---|
| TellerScore | 80 (stronger) | 78 |
| Capital cushion | 70 (stronger) | 51 |
| Loan quality | 98 (stronger) | 94 |
| Earnings | 62 | 75 (stronger) |
| Funding & liquidity | 82 | 99 (stronger) |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 77th | 72nd |
| Total assets | $730.3M | $341.6M |
| Deposits / shares | $630.4M | $287.5M |
| Capital ratio | 11.96% (stronger) | 10.06% |
| Problem loans | 0.06% (stronger) | 0.19% |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 1.04% | 1.39% (stronger) |
| Loans ÷ deposits | 62.4% | 60.9% (stronger) |
| Uninsured deposits | 28.8% | 14.4% (stronger) |
| Offices | 11 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.3% | — |
Dairy State Bank has the higher TellerScore (80 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Dairy State Bank leads on 3 and Cumberland Federal Bank, FSB on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Cumberland, WI