# DAIRY STATE BANK
RICE LAKE, WI · FDIC certificate 17162 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $730.3M | |
| Deposits | $630.4M | |
| Loans and leases | $401.2M | |
| Total equity | $82.2M | |
| Loans / deposits | 62.36% (p15 of band) | 82.04% |
| Liquid assets / assets | 42.70% (p86 of band) | |
| Uninsured deposits / deposits | 28.76% (p62 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.81% (p40 of band) | |
| FHLB advances / assets | 1.26% | |
| Tier 1 leverage | 11.96% (p69 of band) | 10.81% |
| Unrealized securities loss / equity | -15.35% (p30 of band) | -8.10% |
| AOCI / equity | 0.86% (p94 of band) | |
| ROA (annualized) | 1.04% (p35 of band) | 1.28% |
| Net interest margin | 2.99% (p10 of band) | 3.91% |
| Efficiency ratio | 61.60% (p51 of band) | |
| Noncurrent loans | 0.06% (p20 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 3288.93% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 58.32% (p62 of band) | |
| Auto loans | $697,000 (0.17% of loans; DQ 0.14%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 2.2% | |
| Employees | 93 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 5 | charge-offs p90, reserve under noncurrent, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 2 |  | charge-offs p90, deposits shrinking, uninsured deposits leaving |
| 2012-09 | 3 | uninsured deposits leaving |  |
| 2012-12 | 0 |  | reserve under noncurrent, assets shrinking, uninsured deposits leaving |
| 2013-03 | 1 | NIM <2.5% |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | NIM <2.5% |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | deposits shrinking |  |
| 2015-12 | 1 | assets shrinking | deposits shrinking |
| 2016-03 | 0 |  | assets shrinking |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2019-09 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | NIM <2.5% |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 | AOCI drag >20% of equity | capital falling |
| 2022-06 | 3 | securities losses >30% of equity |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 4 | assets shrinking |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity, assets shrinking |
| 2023-06 | 3 | deposits shrinking |  |
| 2023-09 | 2 |  | deposits shrinking |
| 2023-12 | 4 | capital falling, losing money |  |
| 2024-03 | 3 |  | losing money |
| 2024-06 | 2 |  | capital falling |
| 2024-09 | 1 |  | securities losses >30% of equity |
| 2024-12 | 2 | securities losses >30% of equity |  |
| 2025-03 | 0 |  | NIM <2.5%, securities losses >30% of equity |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | assets shrinking |  |
| 2025-12 | 0 |  | assets shrinking |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-02-15 [Dairy State Bank welcomes Kinnear as new president - apg-wi.com](https://news.google.com/rss/articles/CBMi4wFBVV95cUxNNDI2LVZWUVgzVTl2RnIyWDdzNGdfWXZlN09uRExNcmtQLWFUdU9sWjR1QV9JT0JRdndwZElNbktjR0ppZkdQUGtPdHYyMDJGMkNTcEw4Yy1WaUF3UF91MW9ZbzhUd0tNdk9LRUs2X2hVbUtXZDhrNk1JeEpKQ1BXV2RRVTZyZGM2bWdkN2l5SGlQWnNycW9KbWtJMlhSWm1DRXV2MXdiU2hwYXBka2VlZlcyV2FibGJEOEpPeXNMSTY4RjhxUnVxVTNwb09WVmZ1ckVkMnFKOHNYd3FJUXo4Q0hrNA?oc=5) · apg-wi.com
- 2022-11-01 [Dairy State Bank announces organizational changes - The Tribune Press Reporter](https://news.google.com/rss/articles/CBMikwFBVV95cUxQV255TGY5NUh4ZG81ZVh0NDVHQ3BNMGhjVy1fRE1XVTF2WlZfTGdFY0RMTlNiNGYyRzNkNnE5RWtsRUYwbXM1a2VEOGNZSjJ3eHpnZmF0MnM3MHlRVGVLdktUOFB4emt5eUpNMERKVkRUeDNLRUgtcVR0b29Ca19vNGJ6SlhZejNqUFNVZmxQWmJZSWM?oc=5) · The Tribune Press Reporter
- 2023-02-14 [Dairy State Bank employees receive Lifetime Service Award - apg-wi.com](https://news.google.com/rss/articles/CBMi7AFBVV95cUxPV3lJQTJZd3djaWY0STQzQXBxajVMOVU4ekFINjlKQmRoa2FqSnBKQmxkblJhQmZCUWpwbC03RzM3Ui1aQTN6MGJjRVRjTk5FenpCOWhWWFVKRHEwUmR1ckNoa2dCcDk5TzNqNVZMbWwwUHlRUVlLb0tDbVhYald6VUJTNmxXUjhZUmhldmt2OGdMR19IYktsallYM2hXYlRaWDZKY2duYkE0Qk1GY01WRVdsR1NZc2tVWEROX1lHT2JobjF3ZXZ1bS0zeFZCRHNaLWRDaGNGTkVrVGlBVEZFZWlCS0VCejBHNVR3TA?oc=5) · apg-wi.com
- 2025-04-08 [America’s Best Regional Banks and Credit Unions 2025 - Newsweek Rankings](https://news.google.com/rss/articles/CBMigwFBVV95cUxOcGx5cWRnX3M1WmFBczB1UkNfTG5UT0x0WVp0ZWc3UHdqRVoxSEtvQVdxdC1DLWM4eVduOFhqWnFKbGV4MjZlVjRZZlJlZVRFaGxNZDE4dVZJVkFNQ3NseFFhS2pveDlIMmhMTnNUZFpEdUNaRVJJQnpTRnhaS0d3U05oSQ?oc=5) · Newsweek Rankings
- 2024-01-26 [Check fraud suspect taken into custody by Black River Falls PD - WEAU](https://news.google.com/rss/articles/CBMimwFBVV95cUxPVnJFMTlObHdzUHB2UzcwREwyMGRBYTNSVDB4M29EdXVSV3Zab0lsRnkwRnBZS0F2VU00OEIyaldwY2V2ZjZ6cU1JcHY1WWVfMzB0UnhjcURNQlhOYlJCaGJ2UlNJNnlIZzB1bVd3Q2xtQTdmOXdTYUl2NE9vSUpFSmU2emJHZ2ZSMS1IaVBPNEg5UFZaSXJLcHV4SdIBrwFBVV95cUxQazJqLWloZE5ybkF0TFdwSzhna0lUaGw1LXZVQzBjb29MQU1YNUMwS3YzdWo2amZIelRMWEV0bFU0MGtncURfVWI4WTltMFlsOGpZYlVSREZmUGR5c0hSYTNSZEFmc0dvYmpEUU5Xc3NRNENBUXQydG1lM0RqWFkxZk1LTkJNalVDb1JRekJzb0ZnRG9rakpnUXdFNlBEM1laTjJzQTVBSm1JUU1BSEVr?oc=5) · WEAU
- 2013-09-11 [Suspected female bank robber arrested - kare11.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxPVVVZN3ZtQkRncGczb2EzazItTG01SG9seGNLRDhfZmdmbFNwNFF2ZUFHVGlkOWpvd0V6UFozZ0dLaE9JR0dPUi1ZSVZrRGhaNkVnX05IRTlZRWtGdTR4djNmSTlXeHBfWXBPcnI5djNLb3IyUFlkZ1FxakNxcUMyLXBHU19DeTBqd2xTSWJmU3l5ZzBzejFn?oc=5) · kare11.com
- 2015-07-20 [Police ID bank robber: Steven Timothy Snyder tied to nine robberies in three states - Big Rapids Pioneer](https://news.google.com/rss/articles/CBMirwFBVV95cUxPZ25zU2FzVEJvUFZ3a0JZRHVzeU4xQzdvVGZxR0JrTGhoSXZldEw0X1VydnpQWUZEZk43R3lnXzY2UmdVMnQycmo3RnpWZmQzbG44OHdqM2xSR3R6bmx3Q3YyVzZHQ09PcXNsazhMQ2xCdGtNeV93bjV4d2ZqNklxYnV4ckFwb1BoVlFjd1JuVTJlM19RbGFIeUI4UENvM3pFQjZFREp2VGYyeDZ0WTc4?oc=5) · Big Rapids Pioneer
- 2024-03-29 [Dairy State Bank welcomes new commercial lender - apg-wi.com](https://news.google.com/rss/articles/CBMi3wFBVV95cUxQejhJRnN5T1lzdTg4OUdibmpTOFRBNFhaMTRKbGg4ckN3MEpKTktoMUN4SzBJNnlFVDNBMzIwanZVb1Q1X2E1YUVlZ3VCRXlpd0tmUl9nMHBhUnh1VUZtQUd4anNWSkZqMWppUjVOd2V3ZXBNRzlFdXdIMVdGNmlvc0UwZnFjdDdkLVp5UzBEVzR2RW92UXhvMjRaNGVocU1qNVBRckc2QnFiS3FpRXF1QnJ6SjVKRUNIUEFrS1Zybzk1eDNGYklPOWh1ejV4N3phZk5XbGhQNFNKa2ZuczZZ?oc=5) · apg-wi.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17162 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/10.json (key "17162", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide