dairy state bank

Dairy State Bank is a great place for Daily Banking. There are many reasons we can share on behalf of this bank.

With great desire, the management team works differently. Most people like the changes under this hood.

Every type of product and service is available that is most suitable for personal and business banking.

For entry-level banking, DSB is the perfect bank for the people. They offer quite simple and decent banking facilities.

Here you can find checking, savings, CDs, IRAs, mortgage options, and many more to meet financial needs. Let’s see, what more they can offer us for daily banking.

What Is a Dairy State Bank?

The Dairy State Bank is another community bank that was established in 1953 and set its headquarters in Rice Lake, Wisconsin. This is the 39th largest bank in the state and the 1267th largest bank in the nation.

Because of their activity, this bank now has assets totaling $515 million and deposits totaling $432 million. This is a brick-and-mortar bank. It got a score of 4.4 out of 5 for better performance.

To reach all the people of the community, this bank offers online and mobile banking. Every type of essential and contemporary product is available that fits everyone’s needs.

You can avail of savings accounts, checking accounts, money market accounts, CDs, IRAs, mortgage products, credit cards, and many more.

In their management team, 103 employees are still there to support the community people. Because of their dedication, it got an “A+” health rating.

At 12 different locations, they’ve opened their branches for easy access.

Picture: Checkout everything form online about Dairy State Bank

What Do You Need To Know About Dairy State Bank?

As a community bank, the Dairy State Bank is changing its structure dramatically. Despite going through a process, some information is still intact.

So, we can check them all for a better understanding of the future of this bank. Getting all this information is a difficult task for people. It’s not easy to find them all in one place.

Don’t worry, we’ve got your back and showed them in the table below.

Branch Address16 South Main Street, Rice Lake, Wisconsin 54868
EstablishedJan 2, 1953
Became FDIC InsuredJan 2, 1953
Online Banking Websitewww.dairystatebank.com
FDIC InsuredYes
FDIC Certificate#17162
Assets$743.79 million
Loans$220.90 million
Deposits$ 636.61 million
Capital$77.11 million
IndustriesBanking, Financial Services, Mobile Payments
Operating StatusActive
Company TypeFor-Profit
Primary RegulatorFDIC
Return on Assets – YTD0.87%
Return on Equity – YTD7.78%
Annual Interest Income$17.5MM

Are Their Assets and Liability Positions Better Than Other Community Banks?

Taking decisions for daily banking is a big factor because there are lots of financial parameters a person needs to check.

From the table below, most of the important parameters as well as the value will be easy to find. There is even a comparison that can give you the best idea about the financial future of this bank.

ParticularsQ4 2021Q4 2020
Equity Capital$77.1MM$78.2MM
Loan Loss Allowance$4.8 MM$4.7MM
Unbanked Noncurrent Loans$344.00K$598.00K
Real Estate Owned$0$0

What Are The Popular Products You Can Have From This Bank?

The Dairy State Bank is working for us. So, everyone can easily understand all of their services and products will be perfect for daily banking.

After deep research, we found most of these products let people meet their financial needs. Do you know what these products are? Read below to know about all of these products.

Personal Banking:


  • Checkings
  • Savings
  • Certificates
  • Individual Retirement
  • Debit Cards
  • ATM Cards
  • Prepaid Cards
  • Overdraft Protection

Loans & Credit:

  • Home Mortgage
  • Home equity
  • Vehicle, Boat & RV
  • Credit Cards
  • Meet the Lenders


  • Zelle
  • Online Banking
  • Mobile Banking
  • Bill Pay
  • Telebank
  • eStatement
  • Order Personal Checks
  • Order Savings Bonds
  • Pay Credit Card

Business Banking:


  • Checking
  • Savings
  • Certificates
  • Prepaid Cards
  • Debit Cards
  • Overdraft Protection

Loans & Credit:

  • Operation Loans
  • Line of Credit
  • Commercial Real Estate
  • SBA Loans
  • Letters of Credit
  • Credit Cards
  • Meet the Lenders


  • Mobile Banking
  • Online Banking
  • Bill Pay
  • Telebank
  • eStatements
  • Positive Pay
  • Remote Deposit
  • Remote Deposit
  • Remote Remittance
  • ACH
  • Order Business Checks
  • Pay Credit Card


  • Investing with DSB
  • Investment Center
  • Account Rates
  • Financial Calculators

Mortgage Center:

  • Conventional Fixed-Rate Mortgages
  • First-Time Home Buyer/ Low Down Payment Mortgages
  • In-house Mortgages
  • Construction/ Land Loans
  • FHA Mortgage Loans
  • VA Mortgages
  • USDA Rural Development
  • Jumbo Loans
Picture: Choose the product wisely
Picture: Choose the product wisely

What About The Rate For Their Popular Product?

Customer Says, they will prefer all these banks and products that ensure a better rate of return on investment.

For better money management, rates play a vital role. It can put a smile on the customer’s face. This bank is also good in this sector. Let’s find out all these rates of popular products below.

ProductCurrent Terms and RatesMinimum Balance for APY
Savings Account0.35% APY$1
Checking Account0.25% APY$500
Certificates of Deposit12 Months: 1.60% APY 24 Months: 2.20% APY 36 Months: 2.40% APY 60 Months: 2.60% APY$10000 for all terms
Money Market Accounts0.65% APY 1.06% APY$10000 $15000

Comparison Chart:

Notable RatesAPYVs. Others
1 Year CD0.7552.15%
2 Year CD1.05%2.81%
5 Year CD1.35%3.05%
30 Year Mortgage3.51%2.81%
15 Year Mortgage3.14%2.36%
Picture: National Average vs. Dairy State
Picture: National Average vs. Dairy State

Where To Find All the Branches of The Dairy State Bank?

To get better services from a bank, visiting any branches will be a wise decision. But where can you find all these branches of the Dairy State Bank? Here the address of their branches is given below.

  • 101 South Main Street, Colfax, WI 54730 
  • E 4491 County Road C, Downsville, WI 54735 
  • 124 N. Main Street, Birchwood, WI 54817 
  • 2405 Schneider Avenue, Menomonie, WI 54751 
  • 600 Second Street, Menomonie, WI 54751 
  • 100 S. Highway 25, Wheeler, WI 54772 
  • 16 South Main Street, Rice Lake, WI 54868 
  • 103 Third Street, Haugen, WI 54841 
  • 100 Hepburn Street East, Prairie Farm, WI 54762 
  • 1405 Second Avenue, Cumberland, WI 54829 
  • 640 Us Highway 8, Turtle Lake, WI 54889 
Picture: Mobile Banking is a way of better money management
Picture: Mobile Banking is a way of better money management


For convenient and secure banking, Dairy State Bank is the best option for us. To manage money with heist flexibility, every type of option is available in this bank.

To check how your banking experience is, this is the ultimate place for you. Even their family-friendly banking environment also helps people to get the best product and services.

In a short time, you can meet your financial needs. Because of their online and mobile banking facility, it becomes super easy to understand what they’ve got for us.

We just need to log in to our ID to control the account and do what we need for better money management. Happy Banking!

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