| Metric | Hustisford State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.9% | +3.0% | -2.1 pts |
| Deposit growth (YoY) | +3.5% | +2.5% | +1.1 pts |
| Loan growth (YoY) | -2.3% | +2.6% | -4.9 pts |
| ROA | 0.84% | 0.99% | -0.1 pts |
| ROE | 6.2% | 8.1% | -1.9 pts |
ROA ranks in the 42nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $80.3M | $58.3M | $53.9M | $11.0M | $335K | 0.84% | 3.11% | 0.15% |
| Q1 2026 | $78.1M | $55.8M | $56.0M | $10.8M | $168K | 0.85% | 3.13% | 0.16% |
| Q4 2025 | $79.6M | $56.5M | $56.1M | $10.6M | $634K | 0.80% | 2.94% | 0.24% |
| Q3 2025 | $78.5M | $53.8M | $54.6M | $10.7M | $440K | 0.74% | 2.90% | 0.25% |
| Q2 2025 | $79.6M | $56.3M | $55.1M | $10.3M | $277K | 0.70% | 2.84% | 0.22% |
| Q1 2025 | $78.4M | $56.0M | $53.2M | $10.0M | $108K | 0.55% | 2.69% | 0.40% |
| Q4 2024 | $79.0M | $56.0M | $54.3M | $9.6M | $404K | 0.51% | 2.54% | 0.40% |
| Q3 2024 | $79.9M | $54.9M | $54.5M | $10.0M | $277K | 0.46% | 2.51% | 0.49% |
Loan mix (Q2 2026): real estate $51.3M · commercial $788K · consumer $756K · securities $17.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Hustisford State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.84% | 0.99% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 6.2% | 8.1% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.11% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.8% | 70.8% | 43th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Hustisford State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Hustisford State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Hustisford State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Hustisford State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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