Highland State Bank
Highland, WI · Cert 6198 · Peer group: banks under $1B in assets in WI (n=110-113) · Southwestern WI Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$44.9MAssets
$17.5MLoans
$38.7MDeposits
$5.5MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in WI (rank 37 of 110).
- Widest gap: nonperforming loans / loans trails 92% of banks under $1B in assets in WI (rank 102 of 110).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
1.08%
Rank 69 of 113
Net Interest Margin
3.33%
Rank 74 of 113
Efficiency Ratio
67.03%
Rank 72 of 113
Equity / Assets
12.20%
Rank 38 of 113
Non-interest income vs. expense
Unfavorable gap of $1.0M · efficiency ratio beats 37% of banks under $1B in assets in WI | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.08% | 0.85% | 1.17% | 1.51% | Beats 39% | 69 / 113 | |
| Return on Equity | 8.84% | 7.70% | 10.77% | 13.67% | Beats 30% | 79 / 113 | |
| Net Interest Margin | 3.33% | 3.19% | 3.59% | 3.89% | Beats 35% | 74 / 113 | |
| Efficiency Ratio | 67.03% | 54.61% | 62.43% | 71.88% | Beats 37% | 72 / 113 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.31% | 0.03% | 0.24% | 0.91% | Beats 8% | 102 / 110 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 100% | 37 / 110 | |
| Capital |
| Tier 1 Capital Ratio | 11.98% | 11.22% | 12.95% | 15.76% | Beats 35% | 74 / 113 | |
| Total Risk-Based Capital Ratio | 11.98% | 11.57% | 13.59% | 16.73% | Beats 29% | 80 / 113 | |
| Equity / Assets | 12.20% | 9.17% | 10.74% | 13.13% | Beats 66% | 38 / 113 | |
| Liquidity & Funding |
| Loans / Deposits | 45.33% | 76.54% | 86.37% | 98.93% | 3rd pctl | 109 / 112 | |
| Loans / Assets | 39.12% | 63.07% | 71.33% | 78.84% | 4th pctl | 109 / 113 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |