BlastPoint's Banking Scorecard

Dairy State Bank

$100M-$1B Specialty: Commercial WI FDIC cert 17162

Rice Lake, WI

12 branches across WI

2664 banks in the $100M-$1B peer group nationally 113 in WI

Dairy State Bank has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 3.62% below tier average
+ Delinquency Rate 0.82% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 34.8% in tier
- Net Interest Margin 1.00% below tier average
- ROA 0.40% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$749.6M +0.8% YoY +2.4% QoQ	+$363.5M	$386.1M +0.5% YoY	$1.1B +10.1% YoY	$6.2B +9.1% YoY	Top 10.3% in tier
Total Loans ?	$387.0M +14.6% YoY +2.7% QoQ	+$131.3M	$255.7M +1.1% YoY	$816.7M +9.9% YoY	$3.2B +10.8% YoY	78%
Total Deposits ?	$644.6M +0.7% YoY +2.4% QoQ	+$316.6M	$328.0M +0.1% YoY	$905.4M +9.0% YoY	$4.8B +8.2% YoY	Top 10.0% in tier
Return on Assets ?	0.87% -9.0% YoY +4.8% QoQ	-0.40%	1.27% +12.9% YoY	1.50% +15.4% YoY	1.23% +13.4% YoY	30%
Net Interest Margin ?	2.93% +16.1% YoY +7.5% QoQ	-1.00%	3.93% +6.0% YoY	3.77% +9.2% YoY	3.89% +5.7% YoY	Bottom 9.5% in tier
Efficiency Ratio ?	61.66% -0.4% YoY -3.4% QoQ	-3.62%	65.29% -4.5% YoY	64.74% -4.5% YoY	66.95% -4.1% YoY	55%
Delinquency Rate ?	0.06% -88.7% YoY +102.9% QoQ	-0.82%	0.89% +18.8% YoY	0.87% +31.3% YoY	0.95% +18.8% YoY	78%
Loan-to-Deposit Ratio ?	60.04% +13.9% YoY +0.3% QoQ	-16.60%	76.64% +0.8% YoY	86.53% +1.6% YoY	76.70% +0.9% YoY	82%
Non-Interest-Bearing Deposit Share ?	15.60% -3.4% YoY -13.4% QoQ	-6.42%	22.02% -1.0% YoY	18.27% -0.8% YoY	22.01% -1.2% YoY	26%
Nonperforming Asset Ratio ?	0.03% -87.2% YoY +103.5% QoQ	-0.60%	0.64% +19.7% YoY	0.63% +35.0% YoY	0.67% +19.3% YoY	80%
Tier 1 Capital Ratio ?	11.42% +6.3% YoY -41.1% QoQ	-4.41%	15.83% +1.5% YoY	14.74% +0.5% YoY	17.06% +0.8% YoY	28%
Non-Interest Income / Assets ?	0.08% -46.2% YoY -80.3% QoQ	-0.20%	0.28% +9.3% YoY	1.15% +12.5% YoY	0.32% +4.1% YoY	38%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Flatlined Growth

risk

#179 of 512 • Bottom 34.8% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.87%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (6 metrics)

267

Total Deposits

size

Value: $644.59M

Peer Median: $327.97M

#267 of 2664 Top 10.0% in $100M-$1B

276

Total Assets

size

Value: $749.62M

Peer Median: $386.08M

#276 of 2664 Top 10.3% in $100M-$1B

491

Loan-to-Deposit Ratio

liquidity

Value: 60.04%

Peer Median: 76.64%

#491 of 2664 Top 18.4% in $100M-$1B

521

Nonperforming Asset Ratio

credit_quality

Value: 0.03%

Peer Median: 0.64%

#521 of 2664 Top 19.5% in $100M-$1B

576

Total Loans

size

Value: $387.03M

Peer Median: $255.72M

#576 of 2664 Top 21.6% in $100M-$1B

588

Delinquency Rate

credit_quality

Value: 0.06%

Peer Median: 0.89%

#588 of 2654 Top 22.1% in $100M-$1B

Top Weaknesses (1 metrics)

2413

Net Interest Margin

profitability

Value: 2.93%

Peer Median: 3.93%

#2413 of 2664 Bottom 9.5% in $100M-$1B