BlastPoint's Banking Scorecard
Dairy State Bank
Community
Specialty: Commercial
WI
FDIC cert 17162
Rice Lake, WI
1484
banks in Community tier nationally
63 in WI
View Community leaderboard (WI) →
Dairy State Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.60% below tier
- + Nonperforming Asset Ratio 0.48% below tier
- + Tier 1 Capital Ratio 9.16% above tier
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 13% in Community
- - Net Interest Margin 0.94% below tier
- - Loan-to-Deposit Ratio 23.21% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$732.2M
-1.9% YoY
+1.6% QoQ
|
-$659.3M |
$1.4B
+2.0% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
30% |
| Total Loans ? |
$376.9M
+9.5% YoY
+5.5% QoQ
|
-$598.6M |
$975.5M
+2.4% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 12% in tier |
| Total Deposits ? |
$629.6M
-1.6% YoY
+2.4% QoQ
|
-$535.0M |
$1.2B
+1.7% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
31% |
| Return on Assets ? |
0.84%
+55.5% YoY
-3.6% QoQ
|
-0.32% |
1.16%
+17.2% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
27% |
| Net Interest Margin ? |
2.73%
+20.0% YoY
+2.2% QoQ
|
-0.94% |
3.66%
+9.1% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
Bottom 10% in tier |
| Efficiency Ratio ? |
63.81%
-6.0% YoY
-0.3% QoQ
|
+1.18% |
62.63%
-5.3% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
45% |
| Delinquency Rate ? |
0.03%
-94.4% YoY
-9.8% QoQ
|
-0.60% |
0.63%
+18.3% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
Top 9% in tier |
| Loan-to-Deposit Ratio ? |
59.85%
+11.3% YoY
+3.1% QoQ
|
-23.21% |
83.06%
+0.3% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.02%
+3.6% YoY
+2.7% QoQ
|
-3.03% |
21.05%
-0.9% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
39% |
| Nonperforming Asset Ratio ? |
0.02%
-93.8% YoY
-6.3% QoQ
|
-0.48% |
0.50%
+20.3% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
Top 8% in tier |
| Tier 1 Capital Ratio ? |
19.40%
-1.9% YoY
|
+9.16% |
10.24%
-0.6% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
Top 8% in tier |
| Non-Interest Income / Assets ? |
0.40%
+79.8% YoY
+22.6% QoQ
|
-0.34% |
0.74%
-1.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
35% |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 9%
in Community
Why this stands out
Current:
0.03%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 8%
in Community
Why this stands out
Current:
0.02%
(Tier avg: 0.50%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 8%
in Community
Why this stands out
Current:
19.40%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (3)
Flatlined Growth
risk
#33 of 245 · Bottom 13% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.84%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Net Interest Margin
metric
Bottom 10%
in Community
Why this stands out
Current:
2.73%
(Tier avg: 3.66%, National avg: 3.75%)
Loan-to-Deposit Ratio
metric
Bottom 8%
in Community
Why this stands out
Current:
59.85%
(Tier avg: 83.06%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
92
92th pctile
Tier 1 Capital Ratio
Current: 19.40% · Tier avg: 10.24%
92
92th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.50%
91
91th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.63%
45
45th pctile
Efficiency Ratio
Current: 63.81% · Tier avg: 62.63%
39
39th pctile
Non-Interest-Bearing Deposit Share
Current: 18.02% · Tier avg: 21.05%
35
35th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.74%
31
31th pctile
Total Deposits
Current: $629.6M · Tier avg: $1.2B
30
30th pctile
Total Assets
Current: $732.2M · Tier avg: $1.4B
27
27th pctile
Return on Assets
Current: 0.84% · Tier avg: 1.16%
12
12th pctile
Total Loans
Current: $376.9M · Tier avg: $975.5M
10
10th pctile
Net Interest Margin
Current: 2.73% · Tier avg: 3.66%
8
8th pctile
Loan-to-Deposit Ratio
Current: 59.85% · Tier avg: 83.06%
Top Weaknesses
8
8th pctile
Loan-to-Deposit Ratio
Current: 59.85% · Tier avg: 83.06%
10
10th pctile
Net Interest Margin
Current: 2.73% · Tier avg: 3.66%
12
12th pctile
Total Loans
Current: $376.9M · Tier avg: $975.5M
27
27th pctile
Return on Assets
Current: 0.84% · Tier avg: 1.16%
30
30th pctile
Total Assets
Current: $732.2M · Tier avg: $1.4B
31
31th pctile
Total Deposits
Current: $629.6M · Tier avg: $1.2B
35
35th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.74%
39
39th pctile
Non-Interest-Bearing Deposit Share
Current: 18.02% · Tier avg: 21.05%
45
45th pctile
Efficiency Ratio
Current: 63.81% · Tier avg: 62.63%
91
91th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.63%
92
92th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.50%
92
92th pctile
Tier 1 Capital Ratio
Current: 19.40% · Tier avg: 10.24%