Hustisford State Bank: how it compares with its peers
Against 26 WI banks with half to twice its assets, Hustisford State Bank's strongest measure in Q2 2026 is assets per employee ($8.0M vs. a $6.7M peer median). Its weakest relative measure is net interest margin (3.11% vs. 3.76%).
| Measure | Hustisford State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.84% | 1.27% | Bottom third Ahead of 23% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.11% | 3.76% | Bottom third Ahead of 0% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 67.76% | 63.51% | Middle third Ahead of 38% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.0M | $6.7M | Top third Ahead of 77% of peers |
| Loans to deposits Net loans and leases over total deposits. | 92.48% | 79.62% | Context |
What it means for lending operations
Its efficiency ratio of 67.76% is above the 63.51% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Bank of Ontario Ontario, WI · $79M
- Park Bank, National Association Holmen, WI · $76M
- Mayville Savings Bank Mayville, WI · $84M
- Independence State Bank Independence, WI · $84M
- Ladysmith Federal Savings and Loan Association Ladysmith, WI · $93M
Questions about Hustisford State Bank
How big is Hustisford State Bank?
Hustisford State Bank, established in 1902, is headquartered in Hustisford, WI. It reported $80M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Hustisford State Bank's return on assets?
0.84% annualized in Q2 2026, against a 1.27% median for 26 WI banks with half to twice its assets, ahead of 23% of them.
What is Hustisford State Bank's efficiency ratio?
67.76% in Q2 2026: it spent about 68 cents in noninterest expense for each dollar of revenue. The peer median is 63.51%, and lower is better.
Is Hustisford State Bank growing its loans?
Net loans shrank 2.3% over the year to Q2 2026, while deposits grew 3.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are WI banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Wisconsin bank ranked.