BlastPoint's Banking Scorecard

Hustisford State Bank

under $100M Specialty: Consumer WI FDIC cert 12354

Designations: ✓ Community bank

Hustisford, WI

541 banks in the under $100M peer group nationally 11 in WI

Hustisford State Bank has 2 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 20.23% below tier average
+ Delinquency Rate 1.15% below tier average

Key Concerns

Areas that may need attention

- Loan-to-Deposit Ratio 36.27% above tier average
- Net Interest Margin 0.73% below tier average

Get updates when Hustisford State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$78.1M -0.5% YoY -1.9% QoQ	+$15.9M	$62.2M -0.6% YoY	$1.1B +10.1% YoY	$6.2B +9.1% YoY	69%
Total Loans ?	$56.0M +5.4% YoY -0.2% QoQ	+$21.8M	$34.2M -1.4% YoY	$816.7M +9.9% YoY	$3.2B +10.8% YoY	84%
Total Deposits ?	$55.8M -0.5% YoY -1.3% QoQ	+$4.0M	$51.7M -0.7% YoY	$905.4M +9.0% YoY	$4.8B +8.2% YoY	54%
Return on Assets ?	0.85% +55.3% YoY +6.3% QoQ	+0.02%	0.84% -2.3% YoY	1.50% +15.4% YoY	1.23% +13.4% YoY	45%
Net Interest Margin ?	3.13% +16.4% YoY +6.6% QoQ	-0.73%	3.86% +2.8% YoY	3.77% +9.2% YoY	3.89% +5.7% YoY	19%
Efficiency Ratio ?	68.12% -10.5% YoY -0.6% QoQ	-20.23%	88.34% +0.3% YoY	64.74% -4.5% YoY	66.95% -4.1% YoY	58%
Delinquency Rate ?	0.22% -62.6% YoY +46.7% QoQ	-1.15%	1.37% +33.8% YoY	0.87% +31.3% YoY	0.95% +18.8% YoY	58%
Loan-to-Deposit Ratio ?	100.49% +5.9% YoY +1.2% QoQ	+36.27%	64.22% -0.7% YoY	86.53% +1.6% YoY	76.70% +0.9% YoY	Bottom 6.7% in tier
Non-Interest-Bearing Deposit Share ?	26.18% +3.6% YoY +1.9% QoQ	+2.46%	23.71% +0.3% YoY	18.27% -0.8% YoY	22.01% -1.2% YoY	60%
Nonperforming Asset Ratio ?	0.16% -60.4% YoY -34.7% QoQ	-0.63%	0.79% +28.2% YoY	0.63% +35.0% YoY	0.67% +19.3% YoY	55%
Tier 1 Capital Ratio ?	15.12% +3.4% YoY +2.5% QoQ	-11.56%	26.68% +2.0% YoY	14.74% +0.5% YoY	17.06% +0.8% YoY	48%
Non-Interest Income / Assets ?	0.05% +106.6% YoY -79.8% QoQ	-0.62%	0.67% +1.9% YoY	1.15% +12.5% YoY	0.32% +4.1% YoY	40%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (1 metrics)

Total Loans

size

Value: $56.02M

Peer Median: $34.25M

#85 of 541 Top 15.5% in under $100M

Top Weaknesses (2 metrics)

506

Loan-to-Deposit Ratio

liquidity

Value: 100.49%

Peer Median: 64.22%

#506 of 541 Bottom 6.7% in under $100M

437

Net Interest Margin

profitability

Value: 3.13%

Peer Median: 3.86%

#437 of 541 Bottom 19.4% in under $100M