Hustisford State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Hustisford State Bank of Hustisford, WI against its peer group of 536 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.85% | 3.14% | -2.29% | 40th below |
| ROAE | 6.13% | 10.43% | -4.30% | 36th below |
| Net Interest Margin | 3.02% | 3.93% | -0.91% | 14th bottom |
| Efficiency Ratio | 66.83% | 76.32% | -9.49% | 56th above |
| PPNR / Avg Assets | 1.00% | 1.40% | -0.40% | 39th below |
| Yield on Earning Assets | 4.84% | 5.35% | -0.51% | 34th below |
| Cost of Funds | 2.49% | 1.70% | +0.79% | 15th bottom |
| Net Interest Spread | 2.16% | 3.31% | -1.15% | 11th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.22% | 1.34% | -1.12% | 52nd above |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.15% | 0.71% | -0.56% | 48th below |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 0.82% | 1.49% | -0.67% | 16th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 367.77% | 865.78% | -498.01% | 73rd above |
| Texas Ratio | 1.06% | 8.27% | -7.21% | 56th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 15.24% | 17.61% | -2.37% | 65th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 13.70% | 16.43% | -2.73% | 59th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 13.70% | 16.18% | -2.48% | 61st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 93.24% | 72.78% | +20.46% | 15th bottom |
| Core Deposit Ratio | 94.94% | 88.20% | +6.74% | 71st above |
| Wholesale Funding Ratio | 13.07% | 5.23% | +7.84% | 12th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.90% | 4.31% | -3.41% | 39th below |
| Loan Growth (Y/Y) | -2.22% | 6.74% | -8.96% | 30th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 3.55% | 3.77% | -0.22% | 57th above |
See Hustisford State Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Hustisford State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Hustisford State Bank profile, how to read a UBPR, or how this data updates.