Dairy State Bank

Overview / Commentary

www.dairystatebank.com

866-436-7158

16 South Main Street
Rice Lake, WI 54868

Dairy State Bank is headquartered in RICE LAKE and is the 40^th largest bank in the state of Wisconsin. It is also the 1,339^th largest bank in the nation. It was established in 1953 and as of June of 2023, it had grown to 87 employees at 12 locations. Dairy State Bank's money market rates are 7X the national average, and it has a B+ health rating.

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Health

B+

Data as of Q2 2023

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Health Grade Components

Overall
FDIC Certificate #	17162
Year Established	1953
Employees	87
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.33%
Return on Equity - YTD	4.14%
Annual Interest Income	$11.7MM

Assets and Liabilities
Assets	Q2 2023vs Q2 2022	$685.9MM$709.7MM
Loans	Q2 2023vs Q2 2022	$292.5MM$236.5MM
Deposits	Q2 2023vs Q2 2022	$593.3MM$625.2MM
Equity Capital	Q2 2023vs Q2 2022	$57.8MM$55.4MM
Loan Loss Allowance	Q2 2023vs Q2 2022	$6.3MM$4.9MM
Unbacked Noncurrent Loans	Q2 2023vs Q2 2022	$234.00K$343.00K
Real Estate Owned	Q2 2023vs Q2 2022	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Dairy State Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.11%^*	$5k^*	-	H.S.A. Account
OTHER TIERS: 0.10% → $500 - $5k
1.00%	-	-	Christmas Club Account
0.35%	-	-	Personal Savings Account
0.35%	-	-	Junior Savers Account
0.35%	-	-	Business Savings Account

Dairy State Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
3.04%^*	$500k^*	-	Consumer Money Market Account
OTHER TIERS: 0.55% → $1k - $10k \| 1.11% → $10k - $25k \| 1.51% → $25k - $100k \| 2.53% → $100k - $500k
3.04%^*	$500k^*	-	Business Money Market Account
OTHER TIERS: 0.55% → $1k - $10k \| 1.11% → $10k - $25k \| 1.51% → $25k - $100k \| 2.53% → $100k - $500k

Dairy State Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%	$500	-	Interest Checking Account
0.25%^*	$10k^*	-	Rewards Checking Account
OTHER TIERS: 0.05% → Up to $500 \| 0.10% → $500 - $2.5k \| 0.15% → $2.5k - $10k
0.25%^*	$50k^*	-	Small Business Interest Checking Account
OTHER TIERS: 0.10% → $500 - $50k

Dairy State Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
5.06%^*	$30k^*	-	6 Month CD
OTHER TIERS: 4.86% → $1k - $10k \| 4.96% → $10k - $30k
5.06%^*	$30k^*	-	Business 6 Month CD
OTHER TIERS: 4.86% → $1k - $10k \| 4.96% → $10k - $30k
4.77%	$1k	-	15 Month CD
4.77%	$1k	-	Business 15 Month CD
3.00%^*	$30k^*	-	60 Month CD
OTHER TIERS: 2.80% → $1k - $10k \| 2.90% → $10k - $30k
3.00%^*	$30k^*	-	Business 60 Month CD
OTHER TIERS: 2.80% → $1k - $10k \| 2.90% → $10k - $30k
2.95%^*	$30k^*	-	36 Month CD
OTHER TIERS: 2.75% → $1k - $10k \| 2.85% → $10k - $30k
2.95%^*	$30k^*	-	Business 36 Month CD
OTHER TIERS: 2.75% → $1k - $10k \| 2.85% → $10k - $30k
2.85%^*	$30k^*	-	24 Month CD
OTHER TIERS: 2.65% → $1k - $10k \| 2.75% → $10k - $30k
2.85%^*	$30k^*	-	Business 24 Month CD
OTHER TIERS: 2.65% → $1k - $10k \| 2.75% → $10k - $30k
2.78%^*	$30k^*	-	18 Month CD
OTHER TIERS: 2.57% → $1k - $10k \| 2.67% → $10k - $30k
2.78%^*	$30k^*	-	Business 18 Month CD
OTHER TIERS: 2.57% → $1k - $10k \| 2.67% → $10k - $30k
2.60%^*	$30k^*	-	12 Month CD
OTHER TIERS: 2.40% → $1k - $10k \| 2.50% → $10k - $30k
2.60%^*	$30k^*	-	Business 12 Month CD
OTHER TIERS: 2.40% → $1k - $10k \| 2.50% → $10k - $30k

Dairy State Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
5.06%^*	$30k^*	-	6 Month IRA
OTHER TIERS: 4.86% → $1k - $10k \| 4.96% → $10k - $30k
4.77%	$1k	-	15 Month IRA
3.00%^*	$30k^*	-	60 Month IRA
OTHER TIERS: 2.80% → $1k - $10k \| 2.90% → $10k - $30k
2.95%^*	$30k^*	-	36 Month IRA
OTHER TIERS: 2.75% → $1k - $10k \| 2.85% → $10k - $30k
2.85%^*	$30k^*	-	24 Month IRA
OTHER TIERS: 2.65% → $1k - $10k \| 2.75% → $10k - $30k
2.78%^*	$30k^*	-	18 Month IRA
OTHER TIERS: 2.57% → $1k - $10k \| 2.67% → $10k - $30k
2.62%	$1k	-	18 Month Variable IRA
2.60%^*	$30k^*	-	12 Month IRA
OTHER TIERS: 2.40% → $1k - $10k \| 2.50% → $10k - $30k

Locations

Availability

Minneapolis Area

Minneapolis Area bank & credit union details

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