Dairy State Bank
Rice Lake, WI
IDRSSD: 57451
Total Assets
$732.20M
Latest filing
Total Deposits
$629.64M
Latest filing
Net Interest Margin
2.93%
Profitability
Key People
Loading leadership data...
Locations
Main office and branches. Select to view on the map.
Main Office
Dairy State Bank
16 S Main St
Rice Lake, WI 54868
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/02/1953FDIC Certificate 11198
Branches (11)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Dairy State Bank (Main) | 16 S Main St | Rice Lake, WI |
| BIRCHWOOD BRANCH | 124 N. Main Street | Birchwood, WI |
| HAUGEN BRANCH | 103 Third Street | Haugen, WI |
| ISLAND CITY BRANCH | 1405 2nd Ave | Cumberland, WI |
| DOWNTOWN BRANCH | 600 2nd St E | Menomonie, WI |
| DOWNSVILLE BRANCH | E4491 County Road C | Downsville, WI |
| WHEELER BRANCH | 100 S Highway 25 | Wheeler, WI |
| COLFAX BRANCH | 101 S Main St | Colfax, WI |
Showing 7 of 11
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
Bank of Luxemburg
Luxemburg, Wisconsin
→
Assets: $720.75MΔ -0.0%
Chippewa Valley Bank
Hayward, Wisconsin
→
Assets: $718.89MΔ -0.3%
WOODTRUST BANK
Wisconsin Rapids, Wisconsin
→
Assets: $724.38MΔ +0.5%
Bank of Sun Prairie
Sun Prairie, Wisconsin
→
Assets: $728.56MΔ +1.1%
Northwestern Bank
Chippewa Falls, Wisconsin
→
Assets: $706.50MΔ -2.0%
Fortifi Bank
Berlin, Wisconsin
→
Assets: $700.43MΔ -2.8%
Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/02/1953 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 54868 |
| State and County Number | 55005 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 09 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 95 |
| Domestic Offices | 12 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/02/1953 |
| Primary Insurance Agency | DIF |
| Website | www.dairystatebank.com |
| Data Updated | 01/30/2026 |
| CERT | 17162 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $732.20M |
| Total Deposits | $629.64M |
| Total Liabilities | $654.49M |
| Total Equity Capital | $77.71M |
| Net Income | $1.37M |
| Net Loans and Leases | $376.87M |
| Assets Per Employee ($Millions) | $7.55M |
| Bank Premises and Fixed Assets | $6.88M |
| Cash and Balances due from Depository Institutions | $66.78M |
| Deposits Held in Domestic Offices | $629.64M |
Key Performance Ratios
| Return on Assets (ROA) | 0.75% |
| Return on Equity (ROE) | 7.1% |
| Net Interest Margin | 2.93% |
| Efficiency Ratio | 63.28% |
| Tier 1 Risk-Based Capital Ratio | 19.404% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.17% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.614% |
| Earning Assets to total Assets | 95.11% |
Income and Expense
| Total Interest Income | $8.49M |
| Total Noninterest Income | $577.00k |
| Total Interest Expense | $3.43M |
| Total Noninterest Expense | $3.57M |
| Net Interest Income | $5.07M |
| Pre-tax Net Operating Income | $1.77M |
| Provision for Credit Losses | $300.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $15.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $5.10M |
| All Other Liabilities | $4.74M |
| Total Liabilities and Capital | $732.20M |
Securities
| Securities | $263.21M |
| Available-for-sale debt securities | $261.84M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Dairy State Bank?
$732.20M as of the latest filing.
How much are Dairy State Bank's total deposits?
$629.64M in total deposits.
Where is Dairy State Bank located?
Rice Lake, WI.
What is the Net Interest Margin?
2.93%.
How many domestic offices does it operate?
12.
When was it established?
01/02/1953.
What is the Return on Assets (ROA)?
0.75%.
How much are total loans and leases?
$376.87M (latest filing).
What is the total interest income (latest filing)?
$8.49M.