Dairyland State Bank


719 North Main Street
Bruce, WI 54819
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Notable Rates APY Vs.Others
Savings N.A. 0.95% →
1-Year CD N.A. 1.01% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Dairyland State Bank is an FDIC insured institution located in Bruce, WI. It was founded in 1934 and has approximately $0.08 billion in assets. Customers can open an account at one of its 6 branches.

FDIC Insured Yes
FDIC Certificate # 13022
Date Established 1934
Assets $ 77.68 million
Loans $ 51.16 million
Deposits $ 71.23 million
Capital $ 8.39 million

For a more detailed analysis of Dairyland State Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 28, 2020

Your Current Location: Virginia, VA 20146

Loan Rates - October 28, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Dairyland State Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
NMLS ID: 2890
License#: MC-3098
2.669% 2.625% 0.63 $1,450 $1,005 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

Note to Dairyland State Bank
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Financial Details

Dairyland State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Dairyland State Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Dairyland State Bank U.S. Bank Average
3.81% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, Dairyland State Bank had $267,000 in non-current loans and $78,000 in owned real estate. To cover these potential losses it had $8,387,000 in equity and $657,000 in loans loss reserves. That gives it a Texas Ratio of 3.81%.

Return on Equity
Dairyland State Bank U.S. Bank Average
6.72% 7.80%

Dairyland State Bank has a Return on Equity of 6.72% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Dairyland State Bank U.S. Bank Average
10.8% 12.68%

Dairyland State Bank has a Capitalization of 10.8% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Dairyland State Bank Balance Sheet Analysis

As of June 30, 2018, Dairyland State Bank had assets of $79,776,000, loans of $51,158,000, and deposits of $71,234,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
Cash & Balances due from depository institutions $ 16.49 million
Interest-bearing balances $ 14.40 million
Total securities $ 5.71 million
Federal funds sold and reverse repurchase $ 4.02 million
Net loans and leases $ 51.16 million
Loan loss allowance $ 0.66 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.08 million
Goodwill and other intangibles $ 0.47 million
All other assets $ 1.32 million
     Total Assets $ 71.39 million
Total deposits $ 71.23 million
      Interest-bearing deposits $ 52.55 million
      Deposits held in domestic offices $ 71.23 million
      % insured (estimated) 92.04%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.16 million
      Total Liabilities $ 71.39 million
      Shareholders’ Equity $ 6.29 million

Summary Income Statement

March 31, 2020
Total Interest Income $ 1.56 million
Total Interest Expense $ 0.12 million
Net interest income $ 1.44 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.18 million
Total non interest expense $ 1.22 million
Pre-tax Net Operating Income $ 0.40 million

Bank Loan Profile?

The top three loan types in Dairyland State Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks in Wisconsin, Dairyland State Bank has a significantly higher percent of Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 37.04
Credit Card Loans 0.00
Consumer Auto Loans 1.63
Small Business Loans 10.77
Construction and Development Loans 3.42
Commercial Real Estate 11.66
Commercial and Industrial Loans 10.12
Farm Loans 7.33

Frequently Asked Questions About Dairyland State Bank

Branches and Savings

Is Dairyland State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #13022.

Why does Dairyland State Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Dairyland State Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Dairyland State Bank a commercial bank?


Where are Dairyland State Bank locations?

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Is Dairyland State Bank open on Saturdays?

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Are Dairyland State Bank ATMs Open 24/7?

Do Dairyland State Bank ATMs accept cash deposits?

Can Dairyland State Bank customers use other ATMs?

Do Dairyland State Bank branches have notaries?

Will Dairyland State Bank notarize my document?

What address for Dairyland State Bank should I put for incoming ACH transfers?

Will the Dairyland State Bank branch print checks?

Do Dairyland State Bank checks expire?

Does Dairyland State Bank require US citizenship to open account?

Can Dairyland State Bank close my account?

Does Dairyland State Bank Report to credit bureaus?

Does Dairyland State Bank Use Equifax?

What is Dairyland State Bank's ACH Routing Number?

What is Dairyland State Bank's SWIFT code?


Does Dairyland State Bank offer mortgages?

Compare mortgage rates here.

Does Dairyland State Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Dairyland State Bank offer personal loans?

Compare personal loan rates here.

Does Dairyland State Bank offer student loans?

Will Dairyland State Bank cash a check?

Will Dairyland State Bank redeem a savings bond?

Does Dairyland State Bank cash savings bonds?

Will Dairyland State Bank cash money orders?

Can Dairyland State Bank issue a money order?

Does Dairyland State Bank do currency exchange?

Background on The Bank

Who owns Dairyland State Bank?

How long has Dairyland State Bank been around?

Can Dairyland State Bank transfer to other banks?

Does Dairyland State Bank have quick pay?

Does Dairyland State Bank accept rolled coins?

Will Dairyland State Bank accept loose change?

Where is Dairyland State Bank headquarters?

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