Dairy State Bank
Rice Lake, WI
IDRSSD: 57451
Total Assets
$720.92M
Latest filing
Total Deposits
$615.13M
Latest filing
Net Interest Margin
2.84%
Profitability
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 11/14/2025Established 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
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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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 | 11/14/2025 |
| CERT | 17162 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $720.92M |
| Total Deposits | $615.13M |
| Total Liabilities | $644.61M |
| Total Equity Capital | $76.31M |
| Net Income | $1.60M |
| Net Loans and Leases | $357.20M |
| Assets Per Employee ($Millions) | $7.59M |
| Bank Premises and Fixed Assets | $6.97M |
| Cash and Balances due from Depository Institutions | $65.58M |
| Deposits Held in Domestic Offices | $615.13M |
Key Performance Ratios
| Return on Assets (ROA) | 0.89% |
| Return on Equity (ROE) | 8.54% |
| Net Interest Margin | 2.84% |
| Efficiency Ratio | 62.26% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| 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 | 10.585% |
| Earning Assets to total Assets | 95.49% |
Income and Expense
| Total Interest Income | $8.37M |
| Total Noninterest Income | $666.00k |
| Total Interest Expense | $3.49M |
| Total Noninterest Expense | $3.45M |
| Net Interest Income | $4.88M |
| Pre-tax Net Operating Income | $1.79M |
| Provision for Credit Losses | $300.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $20.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $5.14M |
| All Other Liabilities | $4.34M |
| Total Liabilities and Capital | $720.92M |
Securities
| Securities | $273.31M |
| Available-for-sale debt securities | $271.99M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| 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?
$720.92M as of the latest filing.
How much are Dairy State Bank's total deposits?
$615.13M in total deposits.
Where is Dairy State Bank located?
Rice Lake, WI.
What is the Net Interest Margin?
2.84%.
How many domestic offices does it operate?
12.
When was it established?
01/02/1953.
What is the Return on Assets (ROA)?
0.89%.
How much are total loans and leases?
$357.20M (latest filing).
What is the total interest income (latest filing)?
$8.37M.