Hustisford State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
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 128th of 153 on return on assets, 0.85% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 0.98% on return on assets. Hustisford State Bank sits 0.14 points lower, at 0.85% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 15.24% |
| Equity capital to assets | 13.70% |
| Tangible equity to tangible assets | 13.70% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.22% |
| Non-performing assets ratio | 0.15% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.06% |
| Allowance for credit losses to loans | 0.82% |
| Reserve coverage of non-performing loans | 367.77% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.85% |
| Return on equity | 6.13% |
| Net interest margin | 3.02% |
| Efficiency ratio | 66.83% |
| Yield on earning assets | 4.84% |
| Cost of funds | 2.49% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.24% |
| Core deposits to total deposits | 94.94% |
| Brokered deposits to total deposits | 2.11% |
| Deposits to assets | 72.57% |
| Securities to assets | 21.86% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 15.74% | 0.77% | 2.82% | 4.90% | 0.00% |
| Q4 2023 | 14.82% | 0.62% | 2.50% | 4.64% | 0.00% |
| Q1 2024 | 14.39% | 0.44% | 2.42% | 4.41% | 0.00% |
| Q2 2024 | 14.44% | 0.44% | 2.39% | 1.50% | 0.03% |
| Q3 2024 | 14.49% | 0.50% | 2.47% | 0.72% | 0.00% |
| Q4 2024 | 14.29% | 0.63% | 2.49% | 0.58% | 0.01% |
| Q1 2025 | 14.62% | 0.55% | 2.60% | 0.58% | 0.00% |
| Q2 2025 | 14.82% | 0.85% | 2.92% | 0.32% | 0.00% |
| Q3 2025 | 14.94% | 0.82% | 2.92% | 0.35% | 0.00% |
| Q4 2025 | 14.75% | 0.98% | 2.99% | 0.15% | 0.00% |
| Q1 2026 | 15.12% | 0.86% | 3.04% | 0.22% | 0.00% |
| Q2 2026 | 15.24% | 0.85% | 3.02% | 0.22% | 0.00% |
Hustisford State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Hustisford State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)