Hustisford State Bank
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Data as of · sourced from FFIEC call reports. How we update
Hustisford State Bank is an FDIC-insured commercial bank headquartered in Hustisford, WI, established in 1902 (FDIC certificate 12354), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $80.3M, up 0.9% from Q2 2025, the 147th largest of 153 banks headquartered in Wisconsin. It reports no CET1 ratio; its Tier 1 leverage ratio was 15.24% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 12354
- Headquarters
- Hustisford, WI
- Established
- 1902
- Total assets, Q2 2026
- $80.3M
- Assets vs Q2 2025
- +0.9%
- Tier 1 leverage ratio, Q2 2026
- 15.24%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 075905664
- Latest call report
- Q2 2026, FFIEC 051 · Hustisford State Bank call report
- Holding company
- HUSTISFORD COMMUNITY BANCORP., INC.
- Asset rank in state
- 147th of 153 in Wisconsin
Hustisford State Bank, based in Hustisford, Wisconsin, reported $80 million in assets at June 30, 2026. It keeps 3.02 cents of net interest income on every dollar of earning assets, lower than about three-quarters of the 583 banks with less than $100 million in assets (median 3.87 cents). It also pays an average of 2.49% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.53%).
Loans and deposits moved in opposite directions: over the year loans fell 2.2% and deposits rose 3.6%.
As of June 30, 2026, Hustisford State Bank reported a return on assets of 0.85%, a nonperforming-loan ratio of 0.22% and a Texas ratio of 1.06%. The figures come from its call report filed with the FFIEC.
Of the 153 banks headquartered in Wisconsin, Hustisford State Bank is the 147th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 2.9% to $80.3M, loans fell 3.8% and deposits rose 4.6%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 69.7% of total loans, ahead of farmland and other real estate loans at 9.8%. Its one office in the FDIC Summary of Deposits is in Hustisford, WI. By the capital ratios in its Q2 2026 call report, Hustisford State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 200 S Lake St, Hustisford, WI 53034
- County
- Dodge
- Metro Area
- Beaver Dam, WI
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 6, 1902
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 10
- Domestic deposits
- $58.3M
- Allowance for credit losses
- $445K
- Net charge-offs (YTD)
- $0
- Average total assets
- $79.0M
- Average total loans
- $54.7M
- Average interest-bearing deposits
- $42.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12354
- Fed RSSD
- 467144
- Parent Holding Company
- HUSTISFORD COMMUNITY BANCORP., INC. (RSSD 2999854)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Hustisford State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Hustisford State Bank's total assets ran between $76.9M (Q3 2023) and $80.4M (Q2 2024), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$80.3M total assets against $79.6M; $69.3M total liabilities against $69.3M.
$53.9M net loans and leases against $55.1M; $58.3M total deposits against $56.3M.
$17.6M securities against $19.1M; $5.5M cash and balances due against $1.9M.
$939K total interest income against $911K; $355K total interest expense against $350K.
$584K net interest income against $561K.
$20K total noninterest income against $17K; $407K total noninterest expense against $381K.
$0 provision for credit losses against $0.
$167K net income against $169K.
0.85% return on assets against 0.85%; 3.02% net interest margin against 2.92%.
15.24% tier 1 leverage ratio against 14.82%.
Inside the full Hustisford State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.50% (Q3 2024) to 0.98% (Q4 2025) and its net interest margin ran from 2.47% (Q3 2024) to 3.04% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.24% | 0.85% | 0.22% | 1.06% | 3.02% |
| Q1 2026 | 15.12% | 0.86% | 0.22% | 1.10% | 3.04% |
| Q4 2025 | 14.75% | 0.98% | 0.15% | 1.73% | 2.99% |
| Q3 2025 | 14.94% | 0.82% | 0.35% | 1.73% | 2.92% |
| Q2 2025 | 14.82% | 0.85% | 0.32% | 1.64% | 2.92% |
| Q1 2025 | 14.62% | 0.55% | 0.58% | 3.00% | 2.60% |
| Q4 2024 | 14.29% | 0.63% | 0.58% | 3.17% | 2.49% |
| Q3 2024 | 14.49% | 0.50% | 0.72% | 3.78% | 2.47% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Hustisford State Bank (main office) | Hustisford , WI | 53034 | $58.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in WI, rank 172 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Hustisford State Bank
What are Hustisford State Bank's total assets?
As of the Q2 2026 filing, Hustisford State Bank reported total assets of $80.3 million in its FFIEC call report.
Where is Hustisford State Bank headquartered?
It is headquartered in Hustisford, WI, United States.
When was Hustisford State Bank founded?
It was established in 1902, per the FDIC institution directory.
Is Hustisford State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12354). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Hustisford State Bank?
Hustisford State Bank's primary federal regulator is the FDIC.
How many branches does Hustisford State Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Hustisford State Bank's Texas Ratio?
Its Texas Ratio is 1.06% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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