TellerScore

Hustisford State Bank (FDIC certificate #12354) is based in Hustisford, Wisconsin. Its Q2 2026 call report shows $80.3M in total assets and $58.3M in deposits and 1 office.

Hustisford State Bank has a TellerScore of 84 out of 100 (strong) based on Q2 2026 data — higher than 76% of its 546 banks with under $100 million in assets. Among 154 banks headquartered in Wisconsin, it ranks 26th. Capital cushion contributes the most (100/100, 15.24%); earnings contributes the least (54/100, 0.84%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 15.24%
Loan quality93/100
Noncurrent loans ÷ total loans: 0.22%
Earnings54/100
Return on assets (annualized): 0.84%
Funding & liquidity68/100
Loans ÷ deposits and uninsured-deposit share: 92.5% · 12.8% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.06%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (80 → 84), mostly because the earnings component improved by 6 points.

TellerScore
667584Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202473
Q4 202475
Q1 202577
Q2 202580
Q3 202580
Q4 202582
Q1 202683
Q2 202684
Tier 1 leverage ratio
5.00%10.12%15.24%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202414.44%
Q3 202414.49%
Q4 202414.29%
Q1 202514.62%
Q2 202514.82%
Q3 202514.94%
Q4 202514.75%
Q1 202615.12%
Q2 202615.24%
Noncurrent loans
0.15%0.83%1.50%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.50%
Q3 20240.72%
Q4 20240.58%
Q1 20250.58%
Q2 20250.32%
Q3 20250.35%
Q4 20250.15%
Q1 20260.22%
Q2 20260.22%
Return on assets
0.44%0.65%0.85%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.44%
Q3 20240.46%
Q4 20240.51%
Q1 20250.55%
Q2 20250.70%
Q3 20250.74%
Q4 20250.80%
Q1 20260.85%
Q2 20260.84%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202684$80.3M15.24%0.22%0.84%92.5%
Q1 202683$78.1M15.12%0.22%0.85%100.5%
Q4 202582$79.6M14.75%0.15%0.80%99.3%
Q3 202580$78.5M14.94%0.35%0.74%101.5%
Q2 202580$79.6M14.82%0.32%0.70%98.0%
Q1 202577$78.4M14.62%0.58%0.55%94.9%
Q4 202475$79.0M14.29%0.58%0.51%97.1%
Q3 202473$79.9M14.49%0.72%0.46%99.4%
Q2 202466$80.4M14.44%1.50%0.44%100.3%

546 peers · Under $100 million in assets

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio15.24%
70th
Total risk-based capital0.00%
27th
Problem loans0.22%
56th
Net charge-offs0.00%
58th
Return on assets0.84%
43rd
Net interest margin3.11%
18th
Efficiency ratio67.8%
57th
Loans to deposits92.5%
15th
Uninsured deposits12.8%
63rd
Loan-loss reserves0.82%
20th
Texas ratio1.1%
56th

Similar-size banks in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of OntarioBank Ontario, WI51 out of 100, Below average$79.0M13.9%8.53%vs
Park Bank, National AssociationBank Holmen, WI63 out of 100, Moderate$76.5M14.3%2.23%vs
Mayville Savings BankBank Mayville, WI86 out of 100, Very strong$84.2M13.4%0.32%vs
Independence State BankBank Independence, WI75 out of 100, Strong$84.2M10.4%0.00%vs
Ladysmith Federal Savings and Loan AssociationBank Ladysmith, WI45 out of 100, Below average$93.2M9.2%2.03%vs
Community First BankBank Rosholt, WI75 out of 100, Strong$97.6M11.0%0.00%vs

Deposit insurance

Is my money safe at Hustisford State Bank?

Yes. Hustisford State Bank is an FDIC-insured institution (FDIC certificate #12354). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 12.8% of deposits ($7.5M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 15.24%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Hustisford State Bank lists 1 office in 1 city. Most locations:

  • Hustisford, WI (1)

All branch addresses and map

Identity & history

Profile

Legal name
Hustisford State Bank
Type
State-chartered bank
FDIC certificate #
12354
RSSD ID
467144
Primary regulator
FDIC
Holding company
Hustisford Community Bcorp Inc
Established
January 6, 1902
Headquarters
200 S Lake St, Hustisford, WI 53034
Employees
10

Quick answers

Hustisford State Bank: common questions

Is Hustisford State Bank FDIC insured?

Yes. Hustisford State Bank is an FDIC-insured institution (FDIC certificate #12354). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Hustisford State Bank's TellerScore?

84 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Hustisford State Bank ever failed?

There is no failure record for FDIC certificate #12354 in the FDIC failed bank list.

How many branches does Hustisford State Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Hustisford

InstitutionScoreAssetsCapitalProblem loansCompare
National Exchange Bank and TrustBank Fond Du Lac, WI88 out of 100, Very strong$2.9B20.1%0.37%vs
Mayville Savings BankBank Mayville, WI86 out of 100, Very strong$84.2M13.4%0.32%vs
North Shore BankBank Brookfield, WI84 out of 100, Strong$2.6B14.4%0.10%vs
Badger BankBank Fort Atkinson, WI82 out of 100, Strong$206.0M12.4%0.07%vs
WaterStone Bank, SSBBank Wauwatosa, WI81 out of 100, Strong$2.3B15.4%0.36%vs
Waukesha State BankBank Waukesha, WI80 out of 100, Strong$1.6B11.5%0.25%vs