Bank Comparison
Hustisford State Bank vs Farmers State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 10
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Hustisford State Bank | Farmers State Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 15.12% | 12.70% |
| Equity / Assets | 13.80% | 11.80% |
Profitability
| Metric | Hustisford State Bank | Farmers State Bank |
|---|---|---|
| Return on Assets (ROA) | 0.86% | 1.66% |
| Return on Equity (ROE) | 6.28% | 14.17% |
| Net Interest Margin (NIM) | 3.04% | 3.41% |
| Yield on Earning Assets | 4.84% | 4.95% |
| Cost of Funds | 2.06% | 1.78% |
Asset quality
| Metric | Hustisford State Bank | Farmers State Bank |
|---|---|---|
| Texas Ratio | 1.10% | 7.54% |
| Non-Performing Loan Ratio | 0.22% | 0.04% |
| Non-Performing Asset Ratio | 0.16% | 1.00% |
| Net Charge-Off Ratio | 0.00% | -0.09% |
| ACL / Loans | 0.79% | 2.56% |
Balance sheet
| Metric | Hustisford State Bank | Farmers State Bank |
|---|---|---|
| Total Assets | $78,061K | $77,955K |
| Total Deposits | $55,750K | $68,502K |
| Total Loans | $56,467K | $43,145K |
| Total Equity | $10,776K | $9,197K |
| Net Income (quarter) | $168 | $334 |
Liquidity & funding
| Metric | Hustisford State Bank | Farmers State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 101.29% | 62.98% |
| Core Deposit Ratio | 97.91% | 92.14% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Hustisford State Bank | Farmers State Bank |
|---|---|---|
| Headquarters City | HUSTISFORD | MARCUS |
| Headquarters State | WI | IA |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 10 | 9 |
| Established | Jan. 6, 1902, midnight | Dec. 28, 1928, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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