Total Assets
$732M
Total balance-sheet footings
FDIC Cert #17162 · Rice Lake, Wisconsin · Est. 1953
Dairy State Bank - FDIC Bank Health Profile
A community-scale look at Dairy State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $732M
- Total assets
- A
- Health grade · Excellent
- 0.83%
- Return on assets
- 19.4%
- Tier 1 capital
Data updated July 2026
The verdict
Dairy State Bank earns a PlainBankData health grade of A (82/100), with well-capitalized at 19.39% Tier 1, 0.83% ROA, 64% efficiency ratio.
- #1,341
- largest of 4,313 FDIC banks by assets
- 69th
- percentile by asset size, nationally
- 19.39%
- Tier 1 ratio - above the 10% well-capitalized line
- 32nd
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Dairy State Bank's 82/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Dairy State Bank's composite health score
Tier 1 Capital Ratio (19.39%) 40/40
Return on Assets (ROA) (0.83%) 14/25
Texas Ratio (0.14%) 20/20
Efficiency Ratio (63.81%) 8/15
82 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$630M
Customer-funded liabilities
Net Loans
$377M
Outstanding loan book
Net Income
$6M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Dairy State Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Dairy State Bank's score of 82/100 falls in the highlighted band.
Dairy State Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Dairy State Bank's $732M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
19.39% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
19.39%
Texas Ratio
0.14%
Equity Capital
$78M
Profitability metrics
Return on Assets (ROA)
32nd percentile nationally
0.83%
Return on Equity (ROE)
8.38%
Efficiency Ratio
63.81%
What the numbers say about Dairy State Bank
Dairy State Bank is an FDIC-insured institution (Certificate #17162) headquartered in Rice Lake, Wisconsin, established in 1953. It holds $732M in total assets - 1,341st of 4,313 FDIC-insured banks, $630M in customer deposits, and $377M in net loans. On safety, its Tier 1 capital ratio of 19.39% is above the 10% well-capitalized threshold, and its Texas Ratio of 0.14% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (82/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Wisconsin, Dairy State Bank ranks 42nd of 155 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$33M
Interest Income
$3M
Non-Interest Income
$14M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Dairy State Bank reports a Texas Ratio of 0.14% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.14% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Wisconsin by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Dairy State Bank (FDIC Cert #17162) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Wisconsin
All Wisconsin banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Associated Bank, National AssociationGreen Bay | $45.1B | A | 1.10% |
| Nicolet National BankGreen Bay | $9.2B | A | 1.66% |
| Johnson BankRacine | $7.2B | A | 1.07% |
| Town Bank, National AssociationHartland | $4.5B | A | 1.27% |
| Bank First, N.A.Manitowoc | $4.5B | A | 1.64% |
| First Business BankMadison | $4.1B | B | 1.36% |
| John Deere Financial, f.s.b.Middleton | $3.4B | A | 3.87% |
| Lake Ridge BankMiddleton | $3.3B | B | 0.98% |
Frequently asked questions
What is Dairy State Bank's health grade?▼
Dairy State Bank receives a health grade of A (82/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Dairy State Bank?▼
Dairy State Bank holds $732M in total assets and $630M in deposits, ranking 1,341st of 4,313 FDIC-insured banks by asset size. It is headquartered in Rice Lake, Wisconsin.
Is my money safe at Dairy State Bank?▼
Yes, deposits at Dairy State Bank (Certificate #17162) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Dairy State Bank's Tier 1 Capital Ratio?▼
Dairy State Bank has a Tier 1 Capital Ratio of 19.39%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Dairy State Bank?▼
Dairy State Bank has a Texas Ratio of 0.14%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Dairy State Bank?▼
Dairy State Bank has an Efficiency Ratio of 63.81%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Dairy State Bank's profile as a depositor or analyst.
- Dairy State Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Dairy State Bank against other Wisconsin banks before moving funds. Wisconsin banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.