Dairy State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 174.01 percentage points higher than in Q1 2026, at 3288.93%. Dairy State Bank ranks 92nd of 153 Wisconsin banks on return on assets, in the lower half at 1.19% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Dairy State Bank sits 0.06 points lower, at 1.19% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.96% |
| Equity capital to assets | 11.25% |
| Tangible equity to tangible assets | 11.25% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.06% |
| Non-performing assets ratio | 0.03% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.27% |
| Allowance for credit losses to loans | 2.00% |
| Reserve coverage of non-performing loans | 3288.93% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.19% |
| Return on equity | 10.96% |
| Net interest margin | 2.98% |
| Efficiency ratio | 60.80% |
| Yield on earning assets | 4.76% |
| Cost of funds | 1.98% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 63.64% |
| Core deposits to total deposits | 94.96% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.32% |
| Securities to assets | 35.59% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 20.21% | 20.21% | 21.46% | 10.66% | 0.36% |
| Q4 2023 | 18.94% | 18.94% | 20.20% | 10.27% | -1.04% |
| Q1 2024 | 19.80% | 19.80% | 21.05% | 10.23% | 0.49% |
| Q2 2024 | 19.48% | 19.48% | 20.74% | 10.39% | 0.47% |
| Q3 2024 | 19.33% | 19.33% | 20.58% | 10.37% | 0.53% |
| Q4 2024 | 19.78% | 19.78% | 21.04% | 10.49% | 0.65% |
| Q1 2025 | — | — | — | 10.75% | 0.94% |
| Q2 2025 | — | — | — | 11.11% | 0.76% |
| Q3 2025 | — | — | — | 11.57% | 0.87% |
| Q4 2025 | 19.39% | 19.39% | 20.65% | 11.59% | 0.71% |
| Q1 2026 | — | — | — | 11.42% | 0.85% |
| Q2 2026 | — | — | — | 11.96% | 1.19% |
Dairy State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Dairy State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Dairy State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17162) · FFIEC NIC profile (RSSD 57451)