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Dairy State Bank
Rice Lake, WI · FDIC Certificate #17162 · Chartered 01/0
Total assets
$730.30M
Total deposits
$630.41M
Total equity
$82.19M
Net loans
$393.15M
Branches (offices)
12
Net income (YTD)
$3.84M
Rank: #1,339 of 4,213 U.S. banks by assets · #46 of 153 in Wisconsin. Assets changed 1.3% and deposits 2.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.04% |
| Return on equity | 9.61% |
| Net interest margin (YTD) | 2.99% |
| Equity to assets | 11.25% |
| Tier 1 leverage ratio | 11.96% |
| Uninsured deposits (share of deposits) | 28.8% |
| Noncurrent loans (share of loans) | 0.06% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 62.4% |
| Real estate loans (share of loans) | 78.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $309.12M | 78.6% | |
| Commercial & industrial | $74.53M | 19.0% | |
| Consumer / individual | $2.36M | 0.6% | |
| Construction & development | $47.93M | 12.2% | |
| Agricultural | $4.87M | 1.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $709.73M | $625.22M | $1.36M | $55.39M |
| Jun 2023 | $685.90M | $593.29M | $1.16M | $57.80M |
| Jun 2024 | $740.57M | $624.85M | $1.81M | $62.25M |
| Jun 2025 | $720.64M | $616.94M | $3.21M | $73.32M |
| Jun 2026 | $730.30M | $630.41M | $3.84M | $82.19M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Wisconsin | $630.41M | 12 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $630.41M.
Similar-sized banks
Longview Bank ($732.07M) · The Queenstown Bank Of Maryland ($729.53M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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