BlastPoint's Banking Scorecard
Highland State Bank
Micro
Specialty: Other
WI
FDIC cert 6198
Designations: ✓ Community bank
Highland, WI
2498
banks in Micro tier nationally
88 in WI
View Micro leaderboard (WI) →
Highland State Bank shows strong momentum with 1 strength and 11.3% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 31.03% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$48.2M
+11.3% YoY
+9.8% QoQ
|
-$169.3M |
$217.5M
+2.3% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
Bottom 7% in tier |
| Total Loans ? |
$18.4M
+1.1% YoY
+2.6% QoQ
|
-$120.8M |
$139.2M
+2.8% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 6% in tier |
| Total Deposits ? |
$42.2M
+12.1% YoY
+11.1% QoQ
|
-$141.4M |
$183.7M
+1.8% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
Bottom 8% in tier |
| Return on Assets ? |
1.09%
+34.0% YoY
-5.4% QoQ
|
+0.01% |
1.08%
+14.7% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
52% |
| Net Interest Margin ? |
3.51%
+9.1% YoY
+0.5% QoQ
|
-0.34% |
3.85%
+6.6% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
34% |
| Efficiency Ratio ? |
69.82%
-8.6% YoY
+2.0% QoQ
|
+2.09% |
67.73%
-4.8% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
41% |
| Delinquency Rate ? | 2.20% | +1.56% |
0.64%
+24.4% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 11% in tier |
| Loan-to-Deposit Ratio ? |
43.49%
-9.8% YoY
-7.7% QoQ
|
-31.03% |
74.53%
+0.5% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
Top 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
26.63%
-8.4% YoY
-5.6% QoQ
|
+4.23% |
22.39%
-1.3% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
69% |
| Nonperforming Asset Ratio ? | 0.84% | +0.39% |
0.45%
+25.1% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
24% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.34%
+1.5% YoY
+21.1% QoQ
|
-0.22% |
0.56%
+0.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
47% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
43.49%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
92
92th pctile
Loan-to-Deposit Ratio
Current: 43.49% · Tier avg: 74.53%
69
69th pctile
Non-Interest-Bearing Deposit Share
Current: 26.63% · Tier avg: 22.39%
52
52th pctile
Return on Assets
Current: 1.09% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
47
47th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.56%
41
41th pctile
Efficiency Ratio
Current: 69.82% · Tier avg: 67.73%
34
34th pctile
Net Interest Margin
Current: 3.51% · Tier avg: 3.85%
24
24th pctile
Nonperforming Asset Ratio
Current: 0.84% · Tier avg: 0.45%
11
11th pctile
Delinquency Rate
Current: 2.20% · Tier avg: 0.64%
8
8th pctile
Total Deposits
Current: $42.2M · Tier avg: $183.7M
7
7th pctile
Total Assets
Current: $48.2M · Tier avg: $217.5M
6
6th pctile
Total Loans
Current: $18.4M · Tier avg: $139.2M
Top Weaknesses
6
6th pctile
Total Loans
Current: $18.4M · Tier avg: $139.2M
7
7th pctile
Total Assets
Current: $48.2M · Tier avg: $217.5M
8
8th pctile
Total Deposits
Current: $42.2M · Tier avg: $183.7M
11
11th pctile
Delinquency Rate
Current: 2.20% · Tier avg: 0.64%
24
24th pctile
Nonperforming Asset Ratio
Current: 0.84% · Tier avg: 0.45%
34
34th pctile
Net Interest Margin
Current: 3.51% · Tier avg: 3.85%
41
41th pctile
Efficiency Ratio
Current: 69.82% · Tier avg: 67.73%
47
47th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
52
52th pctile
Return on Assets
Current: 1.09% · Tier avg: 1.08%
69
69th pctile
Non-Interest-Bearing Deposit Share
Current: 26.63% · Tier avg: 22.39%
92
92th pctile
Loan-to-Deposit Ratio
Current: 43.49% · Tier avg: 74.53%