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Dairy State Bank

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

Rice Lake, WI

12 branches across WI

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 110 in WI.
  • Deposits +2.2% year over year ($630.4M on the books).
  • Delinquency rate 0.06%.
  • Return on assets 1.04%.
  • Efficiency ratio 61.60% vs a 64.48% peer average.
  • Loan-to-deposit ratio 62.36% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 110 in WI
View $100M-$1B leaderboard (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

  • + Credit Quality Leader: Top 5.8% in tier
  • + Efficiency Ratio 2.88% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 6.8% in tier
  • - Net Interest Margin 1.00% below tier average
  • - ROA 0.28% below tier average
Get updates when Dairy State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Total Assets ? $730.3M
+1.3% YoY -2.6% QoQ
+$343.7M $386.6M
+1.2% YoY
$1.2B
+13.5% YoY
$6.3B
+7.7% YoY
Top 11.2% in tier
Total Loans ? $393.2M
+15.8% YoY +1.6% QoQ
+$134.8M $258.3M
+1.7% YoY
$860.4M
+13.3% YoY
$3.2B
+9.4% YoY
79%
Total Deposits ? $630.4M
+2.2% YoY -2.2% QoQ
+$303.7M $326.7M
+0.7% YoY
$935.5M
+13.1% YoY
$4.9B
+7.3% YoY
Top 10.5% in tier
Return on Assets ? 1.04%
+19.6% YoY +19.2% QoQ
-0.28% 1.32%
+10.8% YoY
1.56%
+18.6% YoY
1.30%
+12.1% YoY
36%
Net Interest Margin ? 2.99%
+15.2% YoY +1.9% QoQ
-1.00% 3.99%
+5.0% YoY
3.83%
+8.5% YoY
3.95%
+4.9% YoY
Bottom 9.5% in tier
Efficiency Ratio ? 61.60%
-5.1% YoY -0.1% QoQ
-2.88% 64.48%
-3.2% YoY
62.90%
-5.1% YoY
70.05%
+2.5% YoY
52%
Delinquency Rate ? 0.06%
+57.3% YoY -3.1% QoQ
-0.86% 0.92%
+15.7% YoY
0.85%
+12.5% YoY
0.98%
+16.3% YoY
78%
Loan-to-Deposit Ratio ? 62.36%
+13.3% YoY +3.9% QoQ
-15.59% 77.95%
+1.0% YoY
87.22%
+0.9% YoY
79.03%
+2.3% YoY
80%
Non-Interest-Bearing Deposit Share ? 15.41%
-6.4% YoY -1.2% QoQ
-6.62% 22.03%
-0.6% YoY
18.65%
-1.9% YoY
21.98%
-0.6% YoY
26%
Nonperforming Asset Ratio ? 0.03%
+79.7% YoY +1.0% QoQ
-0.64% 0.67%
+16.4% YoY
0.63%
+16.4% YoY
0.69%
+15.8% YoY
81%
Tier 1 Capital Ratio ? 11.96%
+7.6% YoY +4.7% QoQ
-3.95% 15.91%
+1.4% YoY
15.02%
+1.5% YoY
17.09%
+0.8% YoY
35%
Non-Interest Income / Assets ? 0.16%
-29.6% YoY +109.1% QoQ
-0.40% 0.57%
+7.6% YoY
2.21%
+12.7% YoY
0.66%
+5.2% YoY
39%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Noninterest-Bearing 15.4%
-1.1pp YoY
-0.2pp QoQ
 -6.7pp 22.1% 18.9% 22.2% 26%
Brokered Deposits n/a n/a 7.9% 9.2% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
C&I 19.0%
+5.1pp YoY
-0.4pp QoQ
 +7.4pp 11.6% 10.5% 12.5% 86%
CRE 58.8%
0.0pp YoY
+0.6pp QoQ
 +19.3pp 39.5% 46.4% 41.4% 83%
1-4 Family 17.2%
-3.4pp YoY
-0.1pp QoQ
 -15.4pp 32.6% 32.3% 31.3% 24%
Consumer 0.6%
-0.4pp YoY
0.0pp QoQ
 -3.5pp 4.1% 2.6% 5.0% 18%

Capital

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.5% 19.7% n/a
Leverage Ratio 12.0%
+0.8pp YoY
+0.5pp QoQ
 -0.2pp 12.2% 12.6% 12.6% 65%
Total Capital Ratio n/a n/a 19.9% 16.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Full-Time Employees 93
-2 (-2.1%) YoY
-4 (-4.1%) QoQ
 +34 58 134 482 84%
Assets per Employee ($) $7.9M
+3.5% YoY
+1.6% QoQ
 +$334K $7.5M $8.2M $8.8M 66%
Branch Count 12
0 YoY
0 QoQ
 +7 4 9 18 95%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.1%
0.0pp YoY
0.0pp QoQ
 -0.9pp 0.9% 0.9% 1.0% 14%
Allowance Coverage 32.89x
-37.3% YoY
+5.6% QoQ
 +8.74x 24.15x 56.89x 20.23x 92%
Net Charge-off Rate (YTD) 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.0% 0.2% 32%

Profitability

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
ROE 9.6%
+0.5pp YoY
+1.4pp QoQ
 -2.6pp 12.2% 11.8% 11.6% 34%
Cost of Funds (YTD) 1.9%
-0.2pp YoY
0.0pp QoQ
 +0.2pp 1.7% 1.8% 1.7% 64%
Net Income ($, YTD) $3.8M
+19.7% YoY
— QoQ
 +$1.3M $2.6M $7.9M $40.4M 79%

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 (1)

Credit Quality Leader

growth
#39 of 659 • Top 5.8% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.06%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (1)

Credit Quality Pressure

risk
#86 of 1256 • Bottom 6.8% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.06%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (6 metrics)

278
Total Deposits
size
Value: $630.41M
Peer Median: $326.73M
#278 of 2643 Top 10.5% in $100M-$1B
298
Total Assets
size
Value: $730.30M
Peer Median: $386.57M
#298 of 2643 Top 11.2% in $100M-$1B
494
Nonperforming Asset Ratio
credit_quality
Value: 0.03%
Peer Median: 0.67%
#494 of 2643 Top 18.7% in $100M-$1B
531
Loan-to-Deposit Ratio
liquidity
Value: 62.36%
Peer Median: 77.95%
#531 of 2643 Top 20.1% in $100M-$1B
564
Total Loans
size
Value: $393.15M
Peer Median: $258.35M
#564 of 2643 Top 21.3% in $100M-$1B
585
Delinquency Rate
credit_quality
Value: 0.06%
Peer Median: 0.92%
#585 of 2633 Top 22.2% in $100M-$1B

Top Weaknesses (1 metrics)

2393
Net Interest Margin
profitability
Value: 2.99%
Peer Median: 3.99%
#2393 of 2643 Bottom 9.5% in $100M-$1B
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