BlastPoint's Banking Scorecard
Highland State Bank
Designations: ✓ Community bank
Highland, WI
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 12 in WI.
- Deposits +3.5% year over year ($38.7M on the books).
- Delinquency rate 2.36%.
- Return on assets 1.28%.
- Efficiency ratio 67.03% vs a 119.40% peer average.
- Loan-to-deposit ratio 44.36% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Highland State Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.28% above tier average
- + Efficiency Ratio 52.37% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.43% below tier average
- - Delinquency Rate 0.88% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$44.9M
+3.9% YoY
-4.5% QoQ
|
-$17.6M |
$62.4M
-0.0% YoY
|
$1.2B
+13.5% YoY
|
$6.3B
+7.7% YoY
|
26% |
| Total Loans ? |
$17.2M
-7.8% YoY
-2.4% QoQ
|
-$17.7M |
$34.9M
-0.6% YoY
|
$860.4M
+13.3% YoY
|
$3.2B
+9.4% YoY
|
22% |
| Total Deposits ? |
$38.7M
+3.5% YoY
-5.4% QoQ
|
-$12.9M |
$51.6M
-0.2% YoY
|
$935.5M
+13.1% YoY
|
$4.9B
+7.3% YoY
|
29% |
| Return on Assets ? |
1.28%
+7.5% YoY
-7.1% QoQ
|
+0.28% |
1.00%
+3.5% YoY
|
1.56%
+18.6% YoY
|
1.30%
+12.1% YoY
|
66% |
| Net Interest Margin ? |
3.49%
+1.0% YoY
+2.8% QoQ
|
-0.43% |
3.91%
+2.3% YoY
|
3.83%
+8.5% YoY
|
3.95%
+4.9% YoY
|
29% |
| Efficiency Ratio ? |
67.03%
-1.5% YoY
-0.4% QoQ
|
-52.37% |
119.40%
+49.6% YoY
|
62.90%
-5.1% YoY
|
70.05%
+2.5% YoY
|
59% |
| Delinquency Rate ? |
2.36%
+2.5% QoQ
|
+0.88% |
1.48%
+31.8% YoY
|
0.85%
+12.5% YoY
|
0.98%
+16.3% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
44.36%
-10.9% YoY
+3.1% QoQ
|
-29.85% |
74.21%
+12.6% YoY
|
87.22%
+0.9% YoY
|
79.03%
+2.3% YoY
|
77% |
| Non-Interest-Bearing Deposit Share ? |
24.19%
-10.0% YoY
-12.2% QoQ
|
+0.70% |
23.49%
+0.6% YoY
|
18.65%
-1.9% YoY
|
21.98%
-0.6% YoY
|
54% |
| Nonperforming Asset Ratio ? |
0.90%
+4.7% QoQ
|
+0.07% |
0.84%
+23.0% YoY
|
0.63%
+16.4% YoY
|
0.69%
+15.8% YoY
|
26% |
| Tier 1 Capital Ratio ? |
11.98%
+0.4% YoY
+1.2% QoQ
|
-15.14% |
27.13%
+3.0% YoY
|
15.02%
+1.5% YoY
|
17.09%
+0.8% YoY
|
22% |
| Non-Interest Income / Assets ? |
0.17%
-14.8% YoY
+92.0% QoQ
|
-1.21% |
1.38%
+6.3% YoY
|
2.21%
+12.7% YoY
|
0.66%
+5.2% YoY
|
65% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
24.2%
-2.7pp YoY -3.4pp QoQ |
-0.4pp | 24.6% | 18.9% | 22.2% | 52% |
| Brokered Deposits | n/a | n/a | 9.8% | 9.2% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
4.5%
+0.9pp YoY -0.7pp QoQ |
-8.9pp | 13.4% | 10.5% | 12.5% | 18% |
| CRE | n/a | n/a | 25.2% | 46.4% | 41.4% | n/a |
| 1-4 Family |
59.2%
-3.4pp YoY +0.9pp QoQ |
+24.2pp | 35.0% | 32.3% | 31.3% | 80% |
| Consumer |
10.3%
-0.5pp YoY +0.2pp QoQ |
+2.6pp | 7.7% | 2.6% | 5.0% | 78% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 15.5% | 19.7% | n/a |
| Leverage Ratio |
12.0%
0.0pp YoY +0.1pp QoQ |
-5.7pp | 17.7% | 12.6% | 12.6% | 40% |
| Total Capital Ratio | n/a | n/a | 39.7% | 16.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
7
0 YoY 0 QoQ |
-5 | 12 | 134 | 482 | 20% |
| Assets per Employee ($) |
$6.4M
+3.9% YoY -4.5% QoQ |
+$220K | $6.2M | $8.2M | $8.8M | 57% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 9 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual |
2.4%
+0.1pp QoQ |
+0.6pp | 1.7% | 0.9% | 1.0% | 80% |
| Allowance Coverage |
0.93x
0.0% QoQ |
-5.48x | 6.41x | 56.89x | 20.23x | 42% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.0% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.1%
+0.9pp YoY -1.2pp QoQ |
+4.7pp | 6.4% | 11.8% | 11.6% | 68% |
| Cost of Funds (YTD) |
1.0%
0.0pp YoY 0.0pp QoQ |
-0.4pp | 1.4% | 1.8% | 1.7% | 26% |
| Net Income ($, YTD) |
$299,000
+16.8% YoY — QoQ |
-$19K | $317,817 | $7.9M | $40.4M | 52% |
Get Full Access to Highland State Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.