Hustisford State Bank


200 South Lake Street
Hustisford, WI 53034
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.40% 1.05% →
1-Year CD N.A. 0.95% →
2-Year CD N.A. 1.05% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Hustisford State Bank is an FDIC insured institution located in Hustisford, WI. It was founded in 1902 and has approximately $0.06 billion in assets.

FDIC Insured Yes
FDIC Certificate # 12354
Date Established 1902
Assets $ 55.10 million
Loans $ 44.18 million
Deposits $ 38.92 million
Capital $ 10.42 million

For a more detailed analysis of Hustisford State Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 20, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
0.40% $2,500 $4,999 Learn More
Money Market
0.30% $2,500 $2,999 Learn More
Money Market
0.40% $10,000 $14,999 Learn More
Money Market
0.40% $25,000 $29,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.30% $1 $99 Learn MoreShow Less
Int Ckg
0.35% $2,500 $3,499 Learn MoreShow Less

Loan Rates - September 20, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Hustisford State Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
2.815% 2.750% 0.88 $2,118 $1,021 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.990 %
$0 Learn More
More Info

Note to Hustisford State Bank
To upload and update your bank's rates please register. It is free to register and add rates.


Hustisford State Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Hustisford State Bank Locations

Financial Details

Hustisford State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Hustisford State Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Hustisford State Bank U.S. Bank Average
2.07% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, Hustisford State Bank had $117,000 in non-current loans and $107,000 in owned real estate. To cover these potential losses it had $10,424,000 in equity and $415,000 in loans loss reserves. That gives it a Texas Ratio of 2.07%.

Return on Equity
Hustisford State Bank U.S. Bank Average
5.64% 7.80%

Hustisford State Bank has a Return on Equity of 5.64% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Hustisford State Bank U.S. Bank Average
18.92% 12.68%

Hustisford State Bank has a Capitalization of 18.92% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Hustisford State Bank Balance Sheet Analysis

As of March 31, 2020, Hustisford State Bank had assets of $55,101,000, loans of $44,179,000, and deposits of $38,917,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
Cash & Balances due from depository institutions $ 2.75 million
Interest-bearing balances $ 1.42 million
Total securities $ 3.59 million
Federal funds sold and reverse repurchase $ 1.75 million
Net loans and leases $ 44.18 million
Loan loss allowance $ 0.42 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.11 million
Goodwill and other intangibles N.A.
All other assets $ 1.16 million
     Total Assets $ 44.68 million
Total deposits $ 38.92 million
      Interest-bearing deposits $ 31.00 million
      Deposits held in domestic offices $ 38.92 million
      % insured (estimated) 85.71%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 5.50 million
Subordinated debt N.A.
All other liabilities $ 0.26 million
      Total Liabilities $ 44.68 million
      Shareholders’ Equity $ 10.42 million

Summary Income Statement

March 31, 2020
Total Interest Income $ 0.65 million
Total Interest Expense $ 0.10 million
Net interest income $ 0.55 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.02 million
Total non interest expense $ 0.38 million
Pre-tax Net Operating Income $ 0.19 million

Bank Loan Profile?

The top three loan types in Hustisford State Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks in Wisconsin, Hustisford State Bank has a significantly higher percent of 1-4 Family Residential Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 62.67
Credit Card Loans 0.11
Consumer Auto Loans 1.01
Small Business Loans 0.00
Construction and Development Loans 0.67
Commercial Real Estate 9.72
Commercial and Industrial Loans 5.33
Farm Loans 3.80

Frequently Asked Questions About Hustisford State Bank

Branches and Savings

Is Hustisford State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #12354.

Why does Hustisford State Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Hustisford State Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Hustisford State Bank a commercial bank?


Where are Hustisford State Bank locations?

See branch locations nearby.

Is Hustisford State Bank open on Saturdays?

Is Hustisford State Bank open on Sundays?

What time does Hustisford State Bank open?

What time does Hustisford State Bank close?

Are Hustisford State Bank ATMs Open 24/7?

Do Hustisford State Bank ATMs accept cash deposits?

Can Hustisford State Bank customers use other ATMs?

Do Hustisford State Bank branches have notaries?

Will Hustisford State Bank notarize my document?

What address for Hustisford State Bank should I put for incoming ACH transfers?

Will the Hustisford State Bank branch print checks?

Do Hustisford State Bank checks expire?

Does Hustisford State Bank require US citizenship to open account?

Can Hustisford State Bank close my account?

Does Hustisford State Bank Report to credit bureaus?

Does Hustisford State Bank Use Equifax?

What is Hustisford State Bank's ACH Routing Number?

What is Hustisford State Bank's SWIFT code?


Does Hustisford State Bank offer mortgages?

Compare mortgage rates here.

Does Hustisford State Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Hustisford State Bank offer personal loans?

Compare personal loan rates here.

Does Hustisford State Bank offer student loans?

Will Hustisford State Bank cash a check?

Will Hustisford State Bank redeem a savings bond?

Does Hustisford State Bank cash savings bonds?

Will Hustisford State Bank cash money orders?

Can Hustisford State Bank issue a money order?

Does Hustisford State Bank do currency exchange?

Background on The Bank

Who owns Hustisford State Bank?

How long has Hustisford State Bank been around?

Can Hustisford State Bank transfer to other banks?

Does Hustisford State Bank have quick pay?

Does Hustisford State Bank accept rolled coins?

Will Hustisford State Bank accept loose change?

Where is Hustisford State Bank headquarters?

Customer Reviews for Hustisford State Bank

There are currently no comments for Hustisford State Bank. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →