Dairy State Bank (FDIC #17162): Bank Stress & Real-Estate Credit Exposure
Dairy State Bank (FDIC Cert #17162): bank stress 65/100, elevated, STABLE over 7 days; parent DAIRY STATE BCORP INC.
Dairy State Bank (#17162) lends in 5 counties across 1 state; Dairy State Bank (#17162) reaches 68 ZIP codes: Wisconsin 5 counties, 68 ZIPs.
Dairy State Bank (#17162) largest markets: Dunn County, WI (110 branches, 22 ZIPs) (#17162), Polk County, WI (20 branches, 20 ZIPs) (#17162), Barron County, WI (76 branches, 19 ZIPs) (#17162), Chippewa County, WI (14 branches, 14 ZIPs) (#17162), Washburn County, WI (12 branches, 12 ZIPs) (#17162).
Dairy State Bank (#17162) reports $730.3 million in total assets; Dairy State Bank (#17162) equity $82.2 million (11.3% of Dairy State Bank (#17162) assets); Dairy State Bank (#17162) domestic deposits $630.4 million; Dairy State Bank (#17162) net income $3.8 million; Dairy State Bank (#17162) return on assets 1.04%; Dairy State Bank (#17162) return on equity 9.61%; Dairy State Bank (#17162) net interest income $10.5 million; Dairy State Bank (#17162) call report June 30, 2026.
Dairy State Bank (#17162) noncurrent real-estate loans: none reported; Dairy State Bank (#17162) net charge-offs on real estate 0.05%; Dairy State Bank (#17162) residential charge-offs 0.08%.
Dairy State Bank (#17162) net interest margin 2.99% against an eight-quarter Dairy State Bank (#17162) average of 2.62% (Dairy State Bank (#17162) compression -0.37 points); Dairy State Bank (#17162) non-residential real estate 8.2% of equity; Dairy State Bank (#17162) rate-exposure score 40/100, Dairy State Bank (#17162) fixed-rate trap 40/100; Dairy State Bank (#17162) risk type credit driven; Dairy State Bank (#17162) rate regime rates elevated, Dairy State Bank (#17162) snapshot October 19, 2026.
Dairy State Bank (#17162) stress score moved from 69.2 on June 22, 2026 to 65.3 on October 19, 2026; Dairy State Bank (#17162) ranged 65.3 to 69.2 over 116 snapshots.
Dairy State Bank (#17162) alerts: 5 counties; top Dairy State Bank (#17162) alert scores: Birchwood County, WI 22 (low); Bloomer County, WI 22 (low); Rice Lake County, WI 22 (low); Turtle Lake County, WI 22 (low); Wheeler County, WI 22 (low).