BlastPoint's Banking Scorecard
Hustisford State Bank
Designations: ✓ Community bank
Hustisford, WI
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 12 in WI.
- Deposits +3.6% year over year ($58.3M on the books).
- Delinquency rate 0.22%.
- Return on assets 0.84%.
- Efficiency ratio 67.76% vs a 119.40% peer average.
- Loan-to-deposit ratio 92.48% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Hustisford State Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 51.64% below tier average
- + Delinquency Rate 1.26% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.15% below tier average
- - Net Interest Margin 0.81% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$80.3M
+0.9% YoY
+2.9% QoQ
|
+$17.9M |
$62.4M
-0.0% YoY
|
$1.2B
+13.5% YoY
|
$6.3B
+7.7% YoY
|
72% |
| Total Loans ? |
$53.9M
-2.3% YoY
-3.8% QoQ
|
+$19.0M |
$34.9M
-0.6% YoY
|
$860.4M
+13.3% YoY
|
$3.2B
+9.4% YoY
|
80% |
| Total Deposits ? |
$58.3M
+3.6% YoY
+4.6% QoQ
|
+$6.7M |
$51.6M
-0.2% YoY
|
$935.5M
+13.1% YoY
|
$4.9B
+7.3% YoY
|
56% |
| Return on Assets ? |
0.84%
+20.5% YoY
-0.9% QoQ
|
-0.15% |
1.00%
+3.5% YoY
|
1.56%
+18.6% YoY
|
1.30%
+12.1% YoY
|
43% |
| Net Interest Margin ? |
3.11%
+9.4% YoY
-0.7% QoQ
|
-0.81% |
3.91%
+2.3% YoY
|
3.83%
+8.5% YoY
|
3.95%
+4.9% YoY
|
17% |
| Efficiency Ratio ? |
67.76%
-4.2% YoY
-0.5% QoQ
|
-51.64% |
119.40%
+49.6% YoY
|
62.90%
-5.1% YoY
|
70.05%
+2.5% YoY
|
57% |
| Delinquency Rate ? |
0.22%
-30.1% YoY
+2.2% QoQ
|
-1.26% |
1.48%
+31.8% YoY
|
0.85%
+12.5% YoY
|
0.98%
+16.3% YoY
|
58% |
| Loan-to-Deposit Ratio ? |
92.48%
-5.6% YoY
-8.0% QoQ
|
+18.27% |
74.21%
+12.6% YoY
|
87.22%
+0.9% YoY
|
79.03%
+2.3% YoY
|
15% |
| Non-Interest-Bearing Deposit Share ? |
25.84%
+3.1% YoY
-1.3% QoQ
|
+2.35% |
23.49%
+0.6% YoY
|
18.65%
-1.9% YoY
|
21.98%
-0.6% YoY
|
62% |
| Nonperforming Asset Ratio ? |
0.15%
-32.2% YoY
-4.4% QoQ
|
-0.69% |
0.84%
+23.0% YoY
|
0.63%
+16.4% YoY
|
0.69%
+15.8% YoY
|
56% |
| Tier 1 Capital Ratio ? |
15.24%
+2.9% YoY
+0.8% QoQ
|
-11.88% |
27.13%
+3.0% YoY
|
15.02%
+1.5% YoY
|
17.09%
+0.8% YoY
|
49% |
| Non-Interest Income / Assets ? |
0.07%
+61.4% YoY
+49.7% QoQ
|
-1.31% |
1.38%
+6.3% YoY
|
2.21%
+12.7% YoY
|
0.66%
+5.2% YoY
|
27% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
25.8%
+0.8pp YoY -0.3pp QoQ |
+1.2pp | 24.6% | 18.9% | 22.2% | 60% |
| Brokered Deposits |
2.1%
-4.5pp YoY -0.1pp QoQ |
-7.7pp | 9.8% | 9.2% | 8.5% | 23% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
1.5%
-0.3pp YoY 0.0pp QoQ |
-11.9pp | 13.4% | 10.5% | 12.5% | 4% |
| CRE |
15.0%
+3.2pp YoY +0.2pp QoQ |
-10.2pp | 25.2% | 46.4% | 41.4% | 31% |
| 1-4 Family |
70.2%
+1.6pp YoY +1.9pp QoQ |
+35.2pp | 35.0% | 32.3% | 31.3% | 86% |
| Consumer |
1.4%
-0.1pp YoY 0.0pp QoQ |
-6.3pp | 7.7% | 2.6% | 5.0% | 16% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 15.5% | 19.7% | n/a |
| Leverage Ratio |
15.2%
+0.4pp YoY +0.1pp QoQ |
-2.4pp | 17.7% | 12.6% | 12.6% | 70% |
| Total Capital Ratio | n/a | n/a | 39.7% | 16.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
10
0 YoY 0 QoQ |
-2 | 12 | 134 | 482 | 43% |
| Assets per Employee ($) |
$8.0M
+0.9% YoY +2.9% QoQ |
+$1.8M | $6.2M | $8.2M | $8.8M | 80% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 9 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.2%
-0.1pp YoY 0.0pp QoQ |
-1.5pp | 1.7% | 0.9% | 1.0% | 25% |
| Allowance Coverage |
3.68x
+49.6% YoY +1.7% QoQ |
-2.73x | 6.41x | 56.89x | 20.23x | 75% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.0% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
6.2%
+0.6pp YoY -0.1pp QoQ |
-0.2pp | 6.4% | 11.8% | 11.6% | 39% |
| Cost of Funds (YTD) |
1.9%
-0.1pp YoY 0.0pp QoQ |
+0.4pp | 1.4% | 1.8% | 1.7% | 78% |
| Net Income ($, YTD) |
$335,000
+20.9% YoY — QoQ |
+$17K | $317,817 | $7.9M | $40.4M | 56% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.