Highland State Bank
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Data as of · sourced from FFIEC call reports. How we update
Highland State Bank is an FDIC-insured commercial bank headquartered in Highland, WI, established in 1903 (FDIC certificate 6198), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $44.9M, up 3.9% from Q2 2025, the 150th largest of 153 banks headquartered in Wisconsin. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.98% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 6198
- Headquarters
- Highland, WI
- Established
- 1903
- Total assets, Q2 2026
- $44.9M
- Assets vs Q2 2025
- +3.9%
- Tier 1 leverage ratio, Q2 2026
- 11.98%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 075905554
- Holding company
- SOUTHWESTERN WISCONSIN BANCSHARES, INC.
- Asset rank in state
- 150th of 153 in Wisconsin
Problem loans are rising at Highland State Bank. It reported $45 million in assets at June 30, 2026, up 3.9% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.31% of loans from 0.00% a year earlier. It shrank its loan book 7.7% over the year, lower than about three-quarters of the 583 banks with less than $100 million in assets (median 2.6%).
Net income for the quarter rose 13% from a year earlier, to $135,000. Over the same year, loans shrank 7.7% and deposits grew 3.5%.
As of June 30, 2026, Highland State Bank reported a return on assets of 1.18%, a nonperforming-loan ratio of 2.31% and a Texas ratio of 6.92%. The figures come from its call report filed with the FFIEC.
Of the 153 banks headquartered in Wisconsin, Highland State Bank is the 150th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 4.5% to $44.9M, loans fell 2.4% and deposits fell 5.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 57.9% of total loans, followed by farmland and other real estate loans at 13.1%. Its one office in the FDIC Summary of Deposits is in Highland, WI. Judged on its Q2 2026 call report, Highland State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 541 Main St, Highland, WI 53543
- County
- Iowa
- Metro Area
- Madison, WI
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 1, 1903
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 7
- Domestic deposits
- $38.7M
- Allowance for credit losses
- $377K
- Net charge-offs (YTD)
- $0
- Average total assets
- $45.7M
- Average total loans
- $18.0M
- Average interest-bearing deposits
- $29.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6198
- Fed RSSD
- 681249
- Website
- www.highlandstatebank.net →
- Parent Holding Company
- SOUTHWESTERN WISCONSIN BANCSHARES, INC. (RSSD 1881699)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Highland State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Highland State Bank's total assets ran between $40.5M (Q2 2024) and $48.2M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$44.9M total assets against $43.2M; $39.4M total liabilities against $38.1M.
$17.2M net loans and leases against $18.6M; $38.7M total deposits against $37.4M.
$14.4M securities against $12.4M; $11.1M cash and balances due against $10.1M.
$492K total interest income against $457K; $109K total interest expense against $102K.
$383K net interest income against $355K.
$35K total noninterest income against $37K; $279K total noninterest expense against $269K.
No provision recorded in the last 12 quarters.
$135K net income against $119K.
1.18% return on assets against 1.11%; 3.54% net interest margin against 3.52%.
11.98% tier 1 leverage ratio against 11.93%.
Inside the full Highland State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.89% (Q3 2024) to 1.44% (Q1 2026) and its net interest margin ran from 3.25% (Q3 2024) to 3.69% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.98% | 1.18% | 2.31% | 6.92% | 3.54% |
| Q1 2026 | 11.84% | 1.44% | 2.25% | 6.99% | 3.50% |
| Q4 2025 | 11.73% | 0.97% | 2.16% | 7.15% | 3.69% |
| Q3 2025 | 11.95% | 1.10% | 0.00% | 0.00% | 3.56% |
| Q2 2025 | 11.93% | 1.11% | 0.00% | 0.00% | 3.52% |
| Q1 2025 | 11.93% | 1.29% | 0.00% | 0.00% | 3.33% |
| Q4 2024 | 11.69% | 0.89% | 0.00% | 0.00% | 3.38% |
| Q3 2024 | 11.94% | 0.89% | 0.00% | 0.00% | 3.25% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Highland State Bank (main office) | Highland , WI | 53543 | $38.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in WI, rank 177 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Highland State Bank
What are Highland State Bank's total assets?
As of the Q2 2026 filing, Highland State Bank reported total assets of $44.9 million in its FFIEC call report.
Where is Highland State Bank headquartered?
It is headquartered in Highland, WI, United States.
When was Highland State Bank founded?
It was established in 1903, per the FDIC institution directory.
Is Highland State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #6198). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Highland State Bank?
Highland State Bank's primary federal regulator is the FDIC.
How many branches does Highland State Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Highland State Bank's Texas Ratio?
Its Texas Ratio is 6.92% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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