BlastPoint's Banking Scorecard
Highland State Bank
Designations: ✓ Community bank
Highland, WI
Highland State Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.52% above tier average
- + Efficiency Ratio 20.33% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.48% below tier average
- - Delinquency Rate 0.94% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$47.0M
+10.7% YoY
-2.6% QoQ
|
-$15.3M |
$62.3M
-0.5% YoY
|
$1.1B
+10.1% YoY
|
$6.2B
+9.0% YoY
|
28% |
| Total Loans ? |
$17.6M
-1.9% YoY
-4.2% QoQ
|
-$16.7M |
$34.3M
-1.5% YoY
|
$816.7M
+9.9% YoY
|
$3.2B
+10.7% YoY
|
23% |
| Total Deposits ? |
$40.9M
+11.4% YoY
-3.2% QoQ
|
-$10.9M |
$51.8M
-0.6% YoY
|
$905.4M
+9.0% YoY
|
$4.8B
+8.0% YoY
|
31% |
| Return on Assets ? |
1.38%
+7.8% YoY
+25.9% QoQ
|
+0.52% |
0.86%
-3.6% YoY
|
1.50%
+15.4% YoY
|
1.24%
+13.1% YoY
|
73% |
| Net Interest Margin ? |
3.39%
+1.4% YoY
-3.4% QoQ
|
-0.48% |
3.87%
+2.7% YoY
|
3.77%
+9.2% YoY
|
3.89%
+5.7% YoY
|
28% |
| Efficiency Ratio ? |
67.30%
-0.2% YoY
-3.6% QoQ
|
-20.33% |
87.63%
+2.3% YoY
|
64.74%
-4.5% YoY
|
66.84%
-3.8% YoY
|
59% |
| Delinquency Rate ? |
2.30%
+4.4% QoQ
|
+0.94% |
1.36%
+33.7% YoY
|
0.87%
+31.3% YoY
|
0.95%
+18.8% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
43.02%
-11.9% YoY
-1.1% QoQ
|
-21.09% |
64.11%
-0.9% YoY
|
86.53%
+1.6% YoY
|
76.69%
+0.9% YoY
|
77% |
| Non-Interest-Bearing Deposit Share ? |
27.56%
+5.4% YoY
+3.5% QoQ
|
+3.78% |
23.79%
+0.5% YoY
|
18.27%
-0.8% YoY
|
22.01%
-1.1% YoY
|
66% |
| Nonperforming Asset Ratio ? |
0.86%
+2.6% QoQ
|
+0.09% |
0.77%
+28.7% YoY
|
0.63%
+35.0% YoY
|
0.66%
+19.3% YoY
|
26% |
| Tier 1 Capital Ratio ? |
11.84%
-0.7% YoY
+1.0% QoQ
|
-14.93% |
26.77%
+2.0% YoY
|
14.74%
+0.5% YoY
|
17.06%
+0.8% YoY
|
21% |
| Non-Interest Income / Assets ? |
0.09%
-24.1% YoY
-73.9% QoQ
|
-0.58% |
0.67%
+1.6% YoY
|
1.15%
+12.5% YoY
|
0.32%
+4.0% YoY
|
65% |
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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.