BlastPoint's Banking Scorecard
Hustisford State Bank
Micro
Specialty: Other
WI
FDIC cert 12354
Designations: ✓ Community bank
Hustisford, WI
2498
banks in Micro tier nationally
88 in WI
View Micro leaderboard (WI) →
Hustisford State Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 24.81% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$79.6M
+0.8% YoY
+1.4% QoQ
|
-$137.9M |
$217.5M
+2.3% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
16% |
| Total Loans ? |
$56.1M
+3.3% YoY
+2.7% QoQ
|
-$83.1M |
$139.2M
+2.8% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
23% |
| Total Deposits ? |
$56.5M
+0.9% YoY
+5.0% QoQ
|
-$127.2M |
$183.7M
+1.8% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
Bottom 13% in tier |
| Return on Assets ? |
0.80%
+58.4% YoY
+7.9% QoQ
|
-0.28% |
1.08%
+14.7% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
33% |
| Net Interest Margin ? |
2.94%
+15.8% YoY
+1.2% QoQ
|
-0.92% |
3.85%
+6.6% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
Bottom 14% in tier |
| Efficiency Ratio ? |
68.56%
-11.0% YoY
-1.6% QoQ
|
+0.83% |
67.73%
-4.8% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
44% |
| Delinquency Rate ? |
0.15%
-74.4% YoY
-57.6% QoQ
|
-0.49% |
0.64%
+24.4% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
67% |
| Loan-to-Deposit Ratio ? |
99.34%
+2.3% YoY
-2.2% QoQ
|
+24.81% |
74.53%
+0.5% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.69%
+3.8% YoY
-0.3% QoQ
|
+3.29% |
22.39%
-1.3% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
66% |
| Nonperforming Asset Ratio ? |
0.24%
-40.1% YoY
-1.9% QoQ
|
-0.21% |
0.45%
+25.1% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
53% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.23%
+144.2% YoY
+248.1% QoQ
|
-0.33% |
0.56%
+0.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
29% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 10%
in Micro
Why this stands out
Current:
99.34%
(Tier avg: 74.53%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
67
67th pctile
Delinquency Rate
Current: 0.15% · Tier avg: 0.64%
66
66th pctile
Non-Interest-Bearing Deposit Share
Current: 25.69% · Tier avg: 22.39%
53
53th pctile
Nonperforming Asset Ratio
Current: 0.24% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
44
44th pctile
Efficiency Ratio
Current: 68.56% · Tier avg: 67.73%
33
33th pctile
Return on Assets
Current: 0.80% · Tier avg: 1.08%
29
29th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.56%
23
23th pctile
Total Loans
Current: $56.1M · Tier avg: $139.2M
16
16th pctile
Total Assets
Current: $79.6M · Tier avg: $217.5M
14
14th pctile
Net Interest Margin
Current: 2.94% · Tier avg: 3.85%
13
13th pctile
Total Deposits
Current: $56.5M · Tier avg: $183.7M
10
10th pctile
Loan-to-Deposit Ratio
Current: 99.34% · Tier avg: 74.53%
Top Weaknesses
10
10th pctile
Loan-to-Deposit Ratio
Current: 99.34% · Tier avg: 74.53%
13
13th pctile
Total Deposits
Current: $56.5M · Tier avg: $183.7M
14
14th pctile
Net Interest Margin
Current: 2.94% · Tier avg: 3.85%
16
16th pctile
Total Assets
Current: $79.6M · Tier avg: $217.5M
23
23th pctile
Total Loans
Current: $56.1M · Tier avg: $139.2M
29
29th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.56%
33
33th pctile
Return on Assets
Current: 0.80% · Tier avg: 1.08%
44
44th pctile
Efficiency Ratio
Current: 68.56% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
53
53th pctile
Nonperforming Asset Ratio
Current: 0.24% · Tier avg: 0.45%
66
66th pctile
Non-Interest-Bearing Deposit Share
Current: 25.69% · Tier avg: 22.39%
67
67th pctile
Delinquency Rate
Current: 0.15% · Tier avg: 0.64%