$47M
+10.7%y/y
Percentile by value32nd percentileby value
FDIC
ASSETHS
Highland State Bank
Highland, WisconsinFDIC Cert #6198
STATEEstablished 19031 branch
Holding company: SOUTHWESTERN WI BANCSHARES INCRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportHighland State Bank reported $47M in total assets. Deposits grew 11.40% over the prior year.
Return on assets was 1.38%, compared with an asset-peer median of 0.97%. The leverage ratio was 11.84%.
- Why is Total Assets below asset peers?
- Why is Tier 1 Leverage Ratio below asset peers?
- Why is Noncurrent Loan Ratio above asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$40.9M
+11.4%y/y
Percentile by value36th percentileby value
FDIC
DEP$17.6M
−1.9%y/y
Percentile by value29th percentileby value
FDIC
LNLSNET1.38%
+10 bpsy/y
Peer standing69th percentile
FDIC
NETINC + ROA67.30%
−15 bpsy/y
Peer standing60th percentile
FDIC
NONIX + NIM + NONII + EEFFR11.84%
−9 bpsy/y
Peer standing38th percentile
FDIC
RBC1AAJPercentiles compare this bank with 590 banks under $100 million.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $37.5M | $32.7M |
| Q3 2021 | $39.2M | $34.4M |
| Q4 2021 | $42.5M | $37.6M |
| Q1 2022 | $41.9M | $37M |
| Q2 2022 | $42.1M | $37.2M |
| Q3 2022 | $42.8M | $37.8M |
| Q4 2022 | $43.6M | $38.5M |
| Q1 2023 | $41.6M | $36.4M |
| Q2 2023 | $42.7M | $37.5M |
| Q3 2023 | $41.9M | $36.6M |
| Q4 2023 | $43M | $37.6M |
| Q1 2024 | $41.3M | $35.8M |
| Q2 2024 | $40.5M | $35M |
| Q3 2024 | $41.9M | $36.3M |
| Q4 2024 | $43.3M | $37.7M |
| Q1 2025 | $42.4M | $36.7M |
| Q2 2025 | $43.2M | $37.4M |
| Q3 2025 | $43.9M | $38M |
| Q4 2025 | $48.2M | $42.2M |
| Q1 2026 | $47M | $40.9M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $1.77M |
| Investor CRE | $0 |
| Multifamily | $0 |
| Construction | $0 |
| 1–4 family | $10.3M |
| C&I | $912K |
| Agriculture | $3.1M |
| Other | $1.94M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.38%69th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.66%Median 0.97%90th 2.53%Observations 590
ROE
FDIC
NETINC + ROE12.27%72nd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −4.01%Median 7.76%90th 17.70%Observations 590
NIM
FDIC
NIM + NIMY3.39%29th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.60%Median 3.78%90th 5.00%Observations 591
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR67.30%60th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 50.30%Median 71.56%90th 113.91%Observations 590
Deposits YoY
FDIC
DEP+11.40%87th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −6.03%Median +2.56%90th +13.29%Observations 547
Loans YoY
FDIC
LNLSNET−1.85%29th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −8.25%Median +2.70%90th +19.03%Observations 527
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR2.25%18th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.41%90th 3.46%Observations 530
Leverage
FDIC
RBC1AAJ11.84%38th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.02%Median 13.02%90th 57.11%Observations 591
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.43%79th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.09%Median 2.13%90th 3.32%Observations 546
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 0%Median 25%90th 129%Observations 281
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.38%63rd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.52%Median 1.20%90th 2.06%Observations 156
ROE
FDIC
NETINC + ROE12.27%58th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.71%Median 11.08%90th 18.36%Observations 156
NIM
FDIC
NIM + NIMY3.39%28th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.98%Median 3.73%90th 4.34%Observations 156
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR67.30%37th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 43.85%Median 63.27%90th 85.74%Observations 156
Deposits YoY
FDIC
DEP+11.40%91st percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.83%Median +4.50%90th +10.92%Observations 155
Loans YoY
FDIC
LNLSNET−1.85%10th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.82%Median +6.61%90th +14.77%Observations 153
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR2.25%8th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.34%90th 2.05%Observations 153
Leverage
FDIC
RBC1AAJ11.84%67th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.76%Median 10.76%90th 15.73%Observations 156
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.43%94th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.64%Median 2.48%90th 3.52%Observations 155
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 59%Median 183%90th 345%Observations 89
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.38%82nd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.15%Median 1.04%90th 6.00%Observations 12
ROE
FDIC
NETINC + ROE12.27%91st percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 1.12%Median 8.53%90th 12.19%Observations 12
NIM
FDIC
NIM + NIMY3.39%9th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.41%Median 3.75%90th 4.60%Observations 12
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR67.30%73rd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 65.20%Median 70.15%90th 98.34%Observations 12
Deposits YoY
FDIC
DEP+11.40%90th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −0.48%Median +2.05%90th +11.40%Observations 11
Loans YoY
FDIC
LNLSNET−1.85%33rd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −5.79%Median +3.47%90th +9.36%Observations 10
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR2.25%33rd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 1.57%90th 9.29%Observations 10
Leverage
FDIC
RBC1AAJ11.84%27th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.24%Median 13.83%90th 67.36%Observations 12
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.43%80th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.40%Median 1.93%90th 2.81%Observations 11
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 9%Median 25%90th 69%Observations 5
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 1 branch
- Headquarters
- Highland, WI
FDIC
OFFDOMOpen the Wisconsin dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data