Total Assets
$48M
Total balance-sheet footings
FDIC Cert #6198 · Highland, Wisconsin · Est. 1903
Highland State Bank - FDIC Bank Health Profile
A community-scale look at Highland State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $48M
- Total assets
- B
- Health grade · Good
- 1.09%
- Return on assets
- 11.7%
- Tier 1 capital
Data updated July 2026
The verdict
Highland State Bank earns a PlainBankData health grade of B (72/100), with well-capitalized at 11.73% Tier 1, profitable at 1.09% ROA, 70% efficiency ratio.
- #4,139
- largest of 4,313 FDIC banks by assets
- 4th
- percentile by asset size, nationally
- 11.73%
- Tier 1 ratio - above the 10% well-capitalized line
- 49th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Highland State Bank's 72/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Highland State Bank's composite health score
Tier 1 Capital Ratio (11.73%) 28/40
Return on Assets (ROA) (1.09%) 20/25
Texas Ratio (7.15%) 16/20
Efficiency Ratio (69.82%) 8/15
72 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$42M
Customer-funded liabilities
Net Loans
$18M
Outstanding loan book
Net Income
$484K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Highland State Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Highland State Bank's score of 72/100 falls in the highlighted band.
Highland State Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Highland State Bank's $48M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.73% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.73%
Texas Ratio
7.15%
Equity Capital
$5M
Profitability metrics
Return on Assets (ROA)
49th percentile nationally
1.09%
Return on Equity (ROE)
9.46%
Efficiency Ratio
69.82%
What the numbers say about Highland State Bank
Highland State Bank is an FDIC-insured institution (Certificate #6198) headquartered in Highland, Wisconsin, established in 1903. It holds $48M in total assets - 4,139th of 4,313 FDIC-insured banks, $42M in customer deposits, and $18M in net loans. Its capital position: a Tier 1 ratio of 11.73%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 7.15% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of B (72 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Highland State Bank is a community-scale institution -- 152nd of 155 FDIC-insured banks headquartered in Wisconsin by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$2M
Interest Income
$165K
Non-Interest Income
$1M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Highland State Bank reports a Texas Ratio of 7.15% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
7.15% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Wisconsin by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Highland State Bank (FDIC Cert #6198) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Wisconsin
All Wisconsin banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Associated Bank, National AssociationGreen Bay | $45.1B | A | 1.10% |
| Nicolet National BankGreen Bay | $9.2B | A | 1.66% |
| Johnson BankRacine | $7.2B | A | 1.07% |
| Town Bank, National AssociationHartland | $4.5B | A | 1.27% |
| Bank First, N.A.Manitowoc | $4.5B | A | 1.64% |
| First Business BankMadison | $4.1B | B | 1.36% |
| John Deere Financial, f.s.b.Middleton | $3.4B | A | 3.87% |
| Lake Ridge BankMiddleton | $3.3B | B | 0.98% |
Frequently asked questions
What is Highland State Bank's health grade?▼
Highland State Bank receives a health grade of B (72/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Highland State Bank?▼
Highland State Bank holds $48M in total assets and $42M in deposits, ranking 4,139th of 4,313 FDIC-insured banks by asset size. It is headquartered in Highland, Wisconsin.
Is my money safe at Highland State Bank?▼
Yes, deposits at Highland State Bank (Certificate #6198) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Highland State Bank's Tier 1 Capital Ratio?▼
Highland State Bank has a Tier 1 Capital Ratio of 11.73%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Highland State Bank?▼
Highland State Bank has a Texas Ratio of 7.15%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Highland State Bank?▼
Highland State Bank has an Efficiency Ratio of 69.82%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Highland State Bank's profile as a depositor or analyst.
- Highland State Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Highland State Bank against other Wisconsin banks before moving funds. Wisconsin banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.