DAIRY STATE BANK

RICE LAKE, WI | Medium | Est. Jan. 2, 1953, midnight | FDIC #17162 | RSSD #57451 | FDIC
Latest Report: 2025-12-31

DAIRY STATE BANK is amn medium FDIC-insured commercial bank headquartered in RICE LAKE, WI, established in Jan. 2, 1953, midnight. As of 2025-12-31, the bank reported total assets of $732M and total deposits of $630M. Profitability stands at 0.75% ROA and 7.10% ROE, with a net interest margin of 3.03%. The bank's CET1 capital ratio is 19.40%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.03% and a Texas Ratio of 0.14%. FDIC Certificate #17162.

Assets

$732M

Deposits

$630M

Loans

$384M

Equity

$78M

Profitability

Return on Assets (ROA) 0.75%
Return on Equity (ROE) 7.10%
Net Interest Margin (NIM) 3.03%
Yield on Assets 5.08%
Cost of Funds 2.14%

Asset Quality

NPL Ratio 0.03%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.14%
NPA Ratio 0.02%
ACL / Loans 1.92%

Capital & Liquidity

CET1 Ratio 19.40%
Tier 1 Capital 19.40%
Total Capital Ratio 20.66%
Leverage Ratio 11.60%
Loan-to-Deposit 61.02%

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