Bank · FDIC insured
Dairy State Bank
A $730.3M bank headquartered in Rice Lake, WI, with 12 branches in Wisconsin. Best rates: CDs 4.15% and savings 0.95% APY.
Dairy State Bank Carrot Score
81
Carrot Score
Higher than 56% of U.S. banks and credit unions
#4 of 6 in Menomonie, WI metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Dairy State Bank
- Headquarters
- 16 S Main St, Rice Lake, WI 54868
- FDIC certificate
- 17162 ↗
Branches
12 branches in Wisconsin
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Wisconsin
12 branches
Menomonie area · 5
- Colfax Branch101 S Main St, Colfax, WI 54730Directions
- Downsville BranchE4491 County Road C, Downsville, WI 54735Directions
- Downtown Branch600 2nd St E, Menomonie, WI 54751Directions
- Menomonie Branch2405 Schneider Ave Se, Menomonie, WI 54751Directions
- Wheeler Branch100 S Highway 25, Wheeler, WI 54772Directions
Rice Lake area · 4
- Dairy State BankMain office16 S Main St, Rice Lake, WI 54868Directions
- Island City Branch1405 2nd Ave, Cumberland, WI 54829Directions
- Haugen Branch103 Third Street, Haugen, WI 54841Directions
- Prairie Farm Branch100 E Hepburn St, Prairie Farm, WI 54762Directions
Birchwood area · 1
- Birchwood Branch124 N. Main Street, Birchwood, WI 54817Directions
Eau Claire area · 1
- Bloomer Branch1311 14th Ave, Bloomer, WI 54724Directions
Turtle Lake area · 1
- Turtle Lake Branch640 Us Highway 8 W, Turtle Lake, WI 54889Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.96% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.06% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.04% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $64 | $81 | — |
- CapitalLeverage ratio11.96%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.06%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.04%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$64Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Dairy State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.