# HUSTISFORD STATE BANK
HUSTISFORD, WI · FDIC certificate 12354 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $80.3M | |
| Deposits | $58.3M | |
| Loans and leases | $54.3M | |
| Total equity | $11.0M | |
| Loans / deposits | 92.48% (p83 of band) | 73.59% |
| Liquid assets / assets | 28.70% (p41 of band) | |
| Uninsured deposits / deposits | 12.79% (p23 of band) | 19.81% |
| Brokered deposits | 1.53% | |
| Wholesale funding | 14.60% (p90 of band) | |
| FHLB advances / assets | 13.07% | |
| Tier 1 leverage | 15.24% (p78 of band) | 11.76% |
| Unrealized securities loss / equity | -12.71% (p34 of band) | -6.57% |
| AOCI / equity | 0.22% (p92 of band) | |
| ROA (annualized) | 0.84% (p32 of band) | 1.17% |
| Net interest margin | 3.11% (p15 of band) | 3.93% |
| Efficiency ratio | 67.76% (p55 of band) | |
| Noncurrent loans | 0.22% (p42 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 367.77% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 11.60% (p41 of band) | |
| Auto loans | $497,000 (0.91% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.5% | |
| Employees | 10 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | loans exceed deposits, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 1 |  | loans exceed deposits |
| 2012-03 | 2 | uninsured deposits leaving |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 3 | assets shrinking |  |
| 2012-12 | 1 |  | uninsured deposits leaving, assets shrinking |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 3 | loans exceed deposits |  |
| 2013-09 | 2 |  | capital falling |
| 2013-12 | 1 |  | loans exceed deposits |
| 2014-03 | 2 | charge-offs p90 |  |
| 2014-06 | 3 | loans exceed deposits, uninsured deposits leaving | reserve under noncurrent |
| 2014-09 | 4 | deposits shrinking |  |
| 2014-12 | 5 | reserve under noncurrent |  |
| 2015-03 | 4 |  | charge-offs p90 |
| 2015-06 | 2 |  | uninsured deposits leaving, reserve under noncurrent |
| 2015-09 | 2 | reserve under noncurrent | deposits shrinking |
| 2015-12 | 2 | assets shrinking | reserve under noncurrent |
| 2016-03 | 2 | reserve under noncurrent | assets shrinking |
| 2016-06 | 3 | assets shrinking |  |
| 2016-09 | 1 |  | reserve under noncurrent, assets shrinking |
| 2016-12 | 0 |  | loans exceed deposits |
| 2017-03 | 1 | loans exceed deposits |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | charge-offs p90 |  |
| 2017-12 | 1 |  | charge-offs p90 |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | loans exceed deposits |
| 2019-03 | 2 | loans exceed deposits, deposits shrinking |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | deposits shrinking |
| 2019-12 | 4 | wholesale funding >15%, capital falling, deposits shrinking |  |
| 2020-03 | 1 |  | wholesale funding >15%, capital falling, deposits shrinking |
| 2020-06 | 1 | reserve under noncurrent | loans exceed deposits |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 |  | capital falling |
| 2022-06 | 2 | AOCI drag >20% of equity |  |
| 2022-09 | 5 | securities losses >30% of equity, noncurrent p90, assets shrinking |  |
| 2022-12 | 4 |  | noncurrent p90 |
| 2023-03 | 3 | deposits shrinking | AOCI drag >20% of equity, assets shrinking |
| 2023-06 | 4 | capital falling |  |
| 2023-09 | 6 | wholesale funding >15%, uninsured deposits leaving |  |
| 2023-12 | 4 |  | securities losses >30% of equity, uninsured deposits leaving |
| 2024-03 | 5 | securities losses >30% of equity, NIM <2.5% | deposits shrinking |
| 2024-06 | 5 | loans exceed deposits | capital falling |
| 2024-09 | 1 |  | reserve under noncurrent, securities losses >30% of equity, NIM <2.5%, loans exceed deposits |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | loans exceed deposits |  |
| 2025-12 | 1 |  | loans exceed deposits |
| 2026-03 | 2 | loans exceed deposits |  |
| 2026-06 | 0 |  | wholesale funding >15%, loans exceed deposits |

## In the news (Google News, unfiltered, newest first; check the city)

- 2014-07-03 [Ewert joins state bank team - wdtimes.com](https://news.google.com/rss/articles/CBMisgFBVV95cUxNa0xSOGY2WHBGRWY2RjZpeGhRNFhqblZhOWd4bWllTWQ0bnN4UjR1X0pYR0RSbHVXT3Y0WFNJeUphUTRsaEFUSzNDYldiMEl0aDBfbnZXLUFVMXpjSzJrX29Camg5NzZKVEJpdC1PckFoeEpvUWNoVTZrdmZfY0RCUlJxYlRKb3A3UDgxbHN5NzJMZllRb0Jkb0JsTEhFaWM5WnVacWVWLW82b19NZk1FdDhn?oc=5) · wdtimes.com
- 2025-10-08 [Jennifer R. Wolter - Daily Dodge](https://news.google.com/rss/articles/CBMiU0FVX3lxTE9UY0dLNE45TENjdlhmUGhGTkx5N0FjbzV3RlY1OU9FalRFcjBCVXBCX09NeVRqbkRGNDBxSF84YU16eUhCU2hpTXpYaWU5bEFoOWJZ?oc=5) · Daily Dodge
- 2019-05-29 [Hustisford High School holds awards banquet - wdtimes.com](https://news.google.com/rss/articles/CBMixwFBVV95cUxQLTdGeUF5WVd6LXEyb2JlTTg2X29mX2lDOHFEWDhjRExweVRXZkhfRWxCUDZOc3JMQk43cGRYN25FUEl5MDNzMlNXN2l4NnI5TzFXREhBU19MX3lrbjNMZTRZVEFfLVJITmd5QmpFam1jbkdpT1llRVlkc2JiMW5aLUlOZHVIeTA5TFA1d05OWFJaSDRnbFBMYlhkcWdxbEQ0aUxURXhNeEs1QnNhQ2c0WkxpUTBYa1ZhSWRNbVA1SlV4ZWdpYjRn?oc=5) · wdtimes.com
- 2022-05-26 [Awards, scholarships presented at Hustisford High School - wdtimes.com](https://news.google.com/rss/articles/CBMi1wFBVV95cUxOT0JPSTZqUDVmNVFKdkdCWmxEZWdLdmFTVFBOSHNvcVhLdEhnTngtaHVjR2pWclVDU1ZiN0JabWhUNHhUYWY0LVd2TTRiUHgzWFhqZ0Y2OXlTaUZ3QnhORGdodDZOT0lmbFo0ZlZsbmppTThBVldzZTc5U3A3MkRlZEVuWlJINVVMa1JOSjk3QmpPNUhLaWpqcVBoczc2NGpiZXRKUWlCNUhXeTdfc3kxa2N3ak1MbUl2OHZreGFNYU5FZXdKa3ZiRHRsaEI4TDdWWkxna29GSQ?oc=5) · wdtimes.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12354 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/2.json (key "12354", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide