Highland State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Highland State Bank of Highland, WI against its peer group of 578 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.18% | 0.85% | +0.33% | 56th above |
| ROAE | 9.92% | 5.23% | +4.69% | 57th above |
| Net Interest Margin | 3.54% | 3.94% | -0.40% | 32nd below |
| Efficiency Ratio | 66.12% | 76.13% | -10.01% | 58th above |
| PPNR / Avg Assets | 1.22% | — | — | 48th below |
| Yield on Earning Assets | 4.54% | 5.42% | -0.88% | 24th bottom |
| Cost of Funds | 1.10% | 1.69% | -0.59% | 73rd above |
| Net Interest Spread | 3.06% | — | — | 36th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.31% | 1.23% | +1.08% | 17th bottom |
| NPA / Total Assets | 0.90% | — | — | 24th bottom |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 2.15% | — | — | 85th top |
| ACL / NPLs (Coverage) | 93.09% | — | — | 41st below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.92% | 7.23% | -0.31% | 25th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 11.98% | 14.13% | -2.15% | 37th below |
| Equity / Assets | 12.20% | 13.07% | -0.87% | 47th below |
| TCE / Tangible Assets | 12.20% | — | — | 50th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 45.33% | 68.58% | -23.25% | 76th top |
| Core Deposit Ratio | 85.52% | 88.79% | -3.27% | 26th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.91% | — | — | 54th above |
| Loan Growth (Y/Y) | -7.67% | — | — | 11th bottom |
| Deposit Growth (Y/Y) | 3.50% | — | — | 55th above |
See Highland State Bank's peers by name
The 578 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Highland State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Highland State Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Highland State Bank peer analysis.