Highland State Bank: how it compares with its peers
Against 451 U.S. banks with half to twice its assets, Highland State Bank's strongest measure in Q2 2026 is return on assets (1.28% vs. a 1.02% peer median). Its weakest relative measure is net interest margin (3.49% vs. 3.86%).
| Measure | Highland State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.28% | 1.02% | Middle third Ahead of 65% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.49% | 3.86% | Bottom third Ahead of 29% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 67.03% | 70.69% | Middle third Ahead of 58% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.4M | $5.9M | Middle third Ahead of 58% of peers |
| Loans to deposits Net loans and leases over total deposits. | 44.36% | 64.09% | Context |
What it means for lending operations
Its efficiency ratio of 67.03% is better than the 70.69% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Gala Bank Ocala, FL · $45M
- Portrait Bank Winter Park, FL · $45M
- NINNESCAH VALLEY BANK Cunningham, KS · $45M
- Sound Banking Company Lakewood, WA · $45M
- ITS Bank Johnston, IA · $45M
- Cornerstone Community Bank Owensboro, KY · $44M
Questions about Highland State Bank
How big is Highland State Bank?
Highland State Bank, established in 1903, is headquartered in Highland, WI. It reported $45M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Highland State Bank's return on assets?
1.28% annualized in Q2 2026, against a 1.02% median for 451 U.S. banks with half to twice its assets, ahead of 65% of them.
What is Highland State Bank's efficiency ratio?
67.03% in Q2 2026: it spent about 67 cents in noninterest expense for each dollar of revenue. The peer median is 70.69%, and lower is better.
Is Highland State Bank growing its loans?
Net loans shrank 7.8% over the year to Q2 2026, while deposits grew 3.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Wisconsin bank ranked.