BlastPoint's Banking Scorecard

Highland State Bank

under $100M Specialty: Other WI FDIC cert 6198

Designations: ✓ Community bank

Highland, WI

541 banks in the under $100M peer group nationally 11 in WI

Highland State Bank has 2 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.54% above tier average
+ Efficiency Ratio 21.04% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.47% below tier average
- Delinquency Rate 0.93% above tier average

Get updates when Highland State Bank releases new data →

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	-$15.2M	$62.2M -0.6% YoY	$1.1B +10.1% YoY	$6.2B +9.1% YoY	28%
Total Loans ?	$17.6M -1.9% YoY -4.2% QoQ	-$16.7M	$34.2M -1.4% YoY	$816.7M +9.9% YoY	$3.2B +10.8% YoY	23%
Total Deposits ?	$40.9M +11.4% YoY -3.2% QoQ	-$10.8M	$51.7M -0.7% YoY	$905.4M +9.0% YoY	$4.8B +8.2% YoY	31%
Return on Assets ?	1.38% +7.8% YoY +25.9% QoQ	+0.54%	0.84% -2.3% YoY	1.50% +15.4% YoY	1.23% +13.4% YoY	73%
Net Interest Margin ?	3.39% +1.4% YoY -3.4% QoQ	-0.47%	3.86% +2.8% YoY	3.77% +9.2% YoY	3.89% +5.7% YoY	28%
Efficiency Ratio ?	67.30% -0.2% YoY -3.6% QoQ	-21.04%	88.34% +0.3% YoY	64.74% -4.5% YoY	66.95% -4.1% YoY	59%
Delinquency Rate ?	2.30% +4.4% QoQ	+0.93%	1.37% +33.8% YoY	0.87% +31.3% YoY	0.95% +18.8% YoY	18%
Loan-to-Deposit Ratio ?	43.02% -11.9% YoY -1.1% QoQ	-21.19%	64.22% -0.7% YoY	86.53% +1.6% YoY	76.70% +0.9% YoY	77%
Non-Interest-Bearing Deposit Share ?	27.56% +5.4% YoY +3.5% QoQ	+3.85%	23.71% +0.3% YoY	18.27% -0.8% YoY	22.01% -1.2% YoY	66%
Nonperforming Asset Ratio ?	0.86% +2.6% QoQ	+0.07%	0.79% +28.2% YoY	0.63% +35.0% YoY	0.67% +19.3% YoY	26%
Tier 1 Capital Ratio ?	11.84% -0.7% YoY +1.0% QoQ	-14.84%	26.68% +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% +1.9% YoY	1.15% +12.5% YoY	0.32% +4.1% YoY	65%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (1 metrics)

124

Loan-to-Deposit Ratio

liquidity

Value: 43.02%

Peer Median: 64.22%

#124 of 541 Top 22.7% in under $100M

Top Weaknesses (3 metrics)

428

Delinquency Rate

credit_quality

Value: 2.30%

Peer Median: 1.37%

#428 of 521 Bottom 18.0% in under $100M

428

Tier 1 Capital Ratio

capital

Value: 11.84%

Peer Median: 26.68%

#428 of 541 Bottom 21.1% in under $100M

415

Total Loans

size

Value: $17.60M

Peer Median: $34.25M

#415 of 541 Bottom 23.5% in under $100M