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 45^th largest bank in the state of Wisconsin. It is also the 1,420^th largest bank in the nation. It was established in 1953 and as of December of 2019, it had grown to 101 employees at 12 locations. Dairy State Bank's money market rates are 2X the national average, and it boasts an A+ health rating.

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Health

A+

Data as of Q4 2019

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Health Grade Components

Overall
FDIC Certificate #	17162
Year Established	1953
Employees	101
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.87%
Return on Equity - YTD	6.86%
Annual Interest Income	$17.3MM

Assets and Liabilities
Assets	Q4 2019vs Q4 2018	$517.2MM$491.2MM
Loans	Q4 2019vs Q4 2018	$230.5MM$237.8MM
Deposits	Q4 2019vs Q4 2018	$432.3MM$414.6MM
Equity Capital	Q4 2019vs Q4 2018	$65.6MM$58.9MM
Loan Loss Allowance	Q4 2019vs Q4 2018	$4.8MM$4.8MM
Unbacked Noncurrent Loans	Q4 2019vs Q4 2018	$453.00K$590.00K
Real Estate Owned	Q4 2019vs Q4 2018	$0$30.00K

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
0.85%	-	-	Christmas Club Account
0.35%^*	$5k^*	-	H.S.A. Account
OTHER TIERS: 0.10% → $500 - $5k
0.20%	-	-	Personal Savings Account
0.20%	-	-	Junior Savers Account
0.20%	-	-	Business Savings Account

Dairy State Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.90%^*	$100k^*	-	Consumer Money Market Account
OTHER TIERS: 0.20% → $1k - $10k \| 0.30% → $10k - $25k \| 0.55% → $25k - $100k
0.90%^*	$100k^*	-	Business Money Market Account
OTHER TIERS: 0.20% → $1k - $10k \| 0.30% → $10k - $25k \| 0.55% → $25k - $100k

Dairy State Bank Checking Account Rates

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

Dairy State Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.60%^*	$30k^*	-	60 Month CD
OTHER TIERS: 1.40% → $1k - $10k \| 1.50% → $10k - $30k
1.50%^*	$30k^*	-	36 Month CD
OTHER TIERS: 1.30% → $1k - $10k \| 1.40% → $10k - $30k
1.30%^*	$30k^*	-	24 Month CD
OTHER TIERS: 1.10% → $1k - $10k \| 1.20% → $10k - $30k
1.20%^*	$30k^*	-	18 Month CD
OTHER TIERS: 1.00% → $1k - $10k \| 1.10% → $10k - $30k
1.00%^*	$30k^*	-	12 Month CD
OTHER TIERS: 0.80% → $1k - $10k \| 0.90% → $10k - $30k
0.80%^*	$30k^*	-	6 Month CD
OTHER TIERS: 0.60% → $1k - $10k \| 0.70% → $10k - $30k

Dairy State Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.60%^*	$30k^*	-	60 Month IRA
OTHER TIERS: 1.40% → $1k - $10k \| 1.50% → $10k - $30k
1.50%^*	$30k^*	-	36 Month IRA
OTHER TIERS: 1.30% → $1k - $10k \| 1.40% → $10k - $30k
1.30%^*	$30k^*	-	24 Month IRA
OTHER TIERS: 1.10% → $1k - $10k \| 1.20% → $10k - $30k
1.20%^*	$30k^*	-	18 Month IRA
OTHER TIERS: 1.00% → $1k - $10k \| 1.10% → $10k - $30k
1.00%^*	$30k^*	-	12 Month IRA
OTHER TIERS: 0.80% → $1k - $10k \| 0.90% → $10k - $30k
1.00%	$1k	-	18 Month Variable IRA
0.80%^*	$30k^*	-	6 Month IRA
OTHER TIERS: 0.60% → $1k - $10k \| 0.70% → $10k - $30k

Locations

Availability

Minneapolis Area

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