Dairy State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Dairy State Bank of Rice Lake, WI against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.19% | 1.35% | -0.16% | 45th below |
| ROAE | 10.96% | 13.32% | -2.36% | 42nd below |
| Net Interest Margin | 2.98% | 3.93% | -0.95% | 9th bottom |
| Efficiency Ratio | 60.80% | 61.13% | -0.33% | 51st above |
| PPNR / Avg Assets | 1.22% | 1.68% | -0.46% | 30th below |
| Yield on Earning Assets | 4.76% | 5.67% | -0.91% | 15th bottom |
| Cost of Funds | 1.98% | 1.88% | +0.10% | 38th below |
| Net Interest Spread | 2.43% | 3.32% | -0.89% | 11th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.06% | 0.94% | -0.88% | 77th top |
| NPA / Total Assets | 0.03% | 0.70% | -0.67% | 80th top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 51st above |
| ACL / Total Loans | 2.00% | 1.28% | +0.72% | 94th top |
| ACL / NPLs (Coverage) | 3288.93% | 1544.77% | +1744.16% | — |
| Texas Ratio | 0.27% | 7.34% | -7.07% | 84th top |
| Provision / NCO | 20033.33% | 1374.84% | +18658.49% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.96% | 12.14% | -0.18% | 65th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.25% | 11.36% | -0.11% | 63rd above |
| TCE / Tangible Assets | 11.25% | 11.08% | +0.17% | 67th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 63.64% | 80.67% | -17.03% | 79th top |
| Core Deposit Ratio | 94.96% | 86.84% | +8.12% | 84th top |
| Wholesale Funding Ratio | 1.81% | 5.04% | -3.23% | 71st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.34% | 6.85% | -5.51% | 28th below |
| Loan Growth (Y/Y) | 15.72% | 7.91% | +7.81% | 87th top |
| Deposit Growth (Y/Y) | 2.18% | 6.29% | -4.11% | 36th below |
See Dairy State Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Dairy State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Dairy State Bank profile, how to read a UBPR, or how this data updates.