Highland State Bank

Highland, WisconsinFDIC Cert #6198

STATEEstablished 19031 branch

Holding company: SOUTHWESTERN WI BANCSHARES INCRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
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

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$18M

−1.8%y/y

Percentile by value29th percentileby value

FDICLNLSGR

Net loans

$17.6M

−1.9%y/y

Percentile by value29th percentileby value

FDICLNLSNET

Loans YoY

−1.85%

−226.3%y/y

Percentile by value29th percentileby value

FDICLNLSNET

L/D

43.0%

−11.9%y/y

Percentile by value23rd percentileby value

FDICLNLSNET + DEP

Loans/assets

37.5%

−11.4%y/y

Percentile by value28th percentileby value

FDICLNLSNET + ASSET

RE loans %

79.83%

−1.6%y/y

Percentile by value66th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

3,566points

−10.7%y/y

Peer standing30th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

9.84%

+109.7%y/y

Percentile by value75th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

0.00%

−100.0%y/y

Percentile by value0th percentileby value

FDICLNRENROT + LNLSGR

C&I %

5.07%

+77.6%y/y

Percentile by value28th percentileby value

FDICLNCI + LNLSGR