Hustisford State Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 8.05 percentage points lower than in Q1 2026, at 93.24%. Within Wisconsin, Hustisford State Bank is 58th of 153 on loan-to-deposit ratio, 93.24% as of Q2 2026, above the middle of the field. Hustisford State Bank reported 93.24% on loan-to-deposit ratio for Q2 2026, 25.62 points above the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $54.3M |
| Net loans and leases | $53.9M |
| Loans held for sale | $0 |
| Loans to total assets | 67.67% |
| Loan-to-deposit ratio | 93.24% |
| Net loans to equity capital | 4.90% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.70% |
| Multifamily (5+ residential) | 1.83% |
| Commercial and industrial | 1.45% |
| Consumer | 1.39% |
| Credit cards | 0.07% |
| Farm | 9.83% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.41% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 46.97% |
| Construction concentration (Tier 1 capital + allowance) | 10.22% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.06% |
| Interest income on loans | $828K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $49.7M | $55.2M | 6.53% | 1.60% | 2.19% |
| Q4 2023 | $53.3M | $54.8M | 7.17% | 1.41% | 1.89% |
| Q1 2024 | $54.5M | $54.3M | 8.90% | 1.32% | 1.77% |
| Q2 2024 | $55.2M | $54.6M | 8.92% | 1.47% | 1.72% |
| Q3 2024 | $55.0M | $54.9M | 8.97% | 1.55% | 1.71% |
| Q4 2024 | $54.8M | $56.0M | 8.93% | 1.35% | 1.61% |
| Q1 2025 | $53.6M | $56.0M | 9.03% | 1.55% | 1.58% |
| Q2 2025 | $55.6M | $56.3M | 8.73% | 1.78% | 1.53% |
| Q3 2025 | $55.1M | $53.8M | 8.85% | 1.42% | 1.48% |
| Q4 2025 | $56.6M | $56.5M | 8.52% | 1.36% | 1.39% |
| Q1 2026 | $56.5M | $55.8M | 10.39% | 1.43% | 1.40% |
| Q2 2026 | $54.3M | $58.3M | 10.70% | 1.45% | 1.39% |
Hustisford State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Hustisford State Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Hustisford State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12354) · FFIEC NIC profile (RSSD 467144)