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Bank Comparison

Hustisford State Bank vs Park Bank, N.A.

Side-by-side regulatory financials for the latest quarter on file with the FFIEC.

Hustisford State Bank

RSSD 467144 · Hustisford, WI

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vs

7 · 6

winning metrics across 13 scored rows

Park Bank, N.A.

RSSD 518354 · Holmen, WI

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Capital adequacy

Metric Hustisford State Bank Park Bank, N.A.
CET1 Ratio — 29.61%
Tier 1 Capital Ratio — 29.61%
Total Capital Ratio — 30.90%
Tier 1 Leverage Ratio 15.24% 14.26%
Equity / Assets 13.70% 14.14%

Profitability

Metric Hustisford State Bank Park Bank, N.A.
Return on Assets (ROA) 0.85% 0.13%
Return on Equity (ROE) 6.13% 0.89%
Net Interest Margin (NIM) 3.02% 3.62%
Yield on Earning Assets 4.84% 5.05%
Cost of Funds 2.49% 1.65%

Asset quality

Metric Hustisford State Bank Park Bank, N.A.
Texas Ratio 1.06% 4.83%
Non-Performing Loan Ratio 0.22% 2.22%
Non-Performing Asset Ratio 0.15% 0.79%
Net Charge-Off Ratio 0.00% -0.57%
ACL / Loans 0.82% 6.26%

Balance sheet

Metric Hustisford State Bank Park Bank, N.A.
Total Assets $80.3M $76.5M
Total Deposits $58.3M $63.7M
Total Loans $54.3M $27.1M
Total Equity $11.0M $10.8M
Net Income (quarter) $167K $24K

Liquidity & funding

Metric Hustisford State Bank Park Bank, N.A.
Loan-to-Deposit Ratio 93.24% 42.56%
Core Deposit Ratio 94.94% 93.12%
Uninsured Deposit Ratio — —

Identity

Metric Hustisford State Bank Park Bank, N.A.
Headquarters City Hustisford Holmen
Headquarters State WI WI
Asset Tier under $100M in assets under $100M in assets
Regulator FDIC OCC
Domestic Branches 1 3
Employees (FTE) 10 13
Established January 6, 1902 January 1, 1909

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 June 30, 2026. 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. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.

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