BanksHIGHLAND STATE BANK

HIGHLAND STATE BANK

HIGHLAND, WIMicroEst. June 1, 1903, midnightFDIC #6198RSSD #681249FDIC
Latest · 2025-12-31

HIGHLAND STATE BANK is an 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%. CET1 capital ratio: 10.96%, well above regulatory minimums. NPL ratio: 2.16% · Texas Ratio: 7.15%. Operates 1 domestic branch.

Assets
$48M
Deposits
$42M
Loans
$19M
Equity
$5M

Profitability

Return on Assets (ROA)0.95%
Return on Equity (ROE)8.34%
Net Interest Margin3.70%
Yield on Assets4.73%
Cost of Funds1.09%

Asset Quality

NPL Ratio2.16%
Net Charge-Off Ratio0.00%
Texas Ratio7.15%
NPA Ratio0.84%
ACL / Loans2.01%

Capital & Liquidity

CET1 Ratio10.96%
Tier 1 Capital10.96%
Total Capital Ratio11.51%
Leverage Ratio11.73%
Loan-to-Deposit44.39%

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