HIGHLAND STATE BANK

HIGHLAND, WI | Micro | Est. June 1, 1903, midnight | FDIC #6198 | RSSD #681249 | FDIC
Latest Report: 2025-12-31

HIGHLAND STATE BANK is amn micro FDIC-insured commercial bank headquartered in HIGHLAND, WI, established in June 1, 1903, midnight. As of 2025-12-31, the bank reported total assets of $48M and total deposits of $42M. Profitability stands at 0.95% ROA and 8.34% ROE, with a net interest margin of 3.70%. The bank's CET1 capital ratio is 10.96%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.16% and a Texas Ratio of 7.15%. FDIC Certificate #6198.

Assets

$48M

Deposits

$42M

Loans

$19M

Equity

$5M

Profitability

Return on Assets (ROA) 0.95%
Return on Equity (ROE) 8.34%
Net Interest Margin (NIM) 3.70%
Yield on Assets 4.73%
Cost of Funds 1.41%

Asset Quality

NPL Ratio 2.16%
Net Charge-Off Ratio --
Texas Ratio 7.15%
NPA Ratio 0.84%
ACL / Loans 2.01%

Capital & Liquidity

CET1 Ratio 10.96%
Tier 1 Capital 10.96%
Total Capital Ratio 11.51%
Leverage Ratio 11.73%
Loan-to-Deposit 44.39%

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