Highland State Bank is a state-chartered bank headquartered in Highland, Wisconsin, in business for about 123 years. At the end of Q2 2026 it reported $44.9M in total assets and $38.7M in deposits, with 1 office.
Based on its Q2 2026 filing, Highland State Bank scores 65/100, which we describe as moderate. That is higher than only 26% of 546 banks with under $100 million in assets. Among 154 banks headquartered in Wisconsin, it ranks 116th. Its strongest component is funding & liquidity (100/100; 44% loans-to-deposits, 13% uninsured), and its lowest is loan quality (23/100; 2.31%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 19 points (84 → 65), mostly because the loan quality component weakened by 77 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 81 |
| Q3 2024 | 81 |
| Q4 2024 | 81 |
| Q1 2025 | 85 |
| Q2 2025 | 84 |
| Q3 2025 | 84 |
| Q4 2025 | 63 |
| Q1 2026 | 65 |
| Q2 2026 | 65 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.94% |
| Q3 2024 | 11.94% |
| Q4 2024 | 11.69% |
| Q1 2025 | 11.93% |
| Q2 2025 | 11.93% |
| Q3 2025 | 11.95% |
| Q4 2025 | 11.73% |
| Q1 2026 | 11.84% |
| Q2 2026 | 11.98% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 2.16% |
| Q1 2026 | 2.25% |
| Q2 2026 | 2.31% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.76% |
| Q3 2024 | 0.80% |
| Q4 2024 | 0.82% |
| Q1 2025 | 1.28% |
| Q2 2025 | 1.19% |
| Q3 2025 | 1.16% |
| Q4 2025 | 1.09% |
| Q1 2026 | 1.38% |
| Q2 2026 | 1.28% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 65 | $44.9M | 11.98% | 2.31% | 1.28% | 44.4% |
| Q1 2026 | 65 | $47.0M | 11.84% | 2.25% | 1.38% | 43.0% |
| Q4 2025 | 63 | $48.2M | 11.73% | 2.16% | 1.09% | 43.5% |
| Q3 2025 | 84 | $43.9M | 11.95% | 0.00% | 1.16% | 47.1% |
| Q2 2025 | 84 | $43.2M | 11.93% | 0.00% | 1.19% | 49.8% |
| Q1 2025 | 85 | $42.4M | 11.93% | 0.00% | 1.28% | 48.8% |
| Q4 2024 | 81 | $43.3M | 11.69% | 0.00% | 0.82% | 48.2% |
| Q3 2024 | 81 | $41.9M | 11.94% | 0.00% | 0.80% | 50.8% |
| Q2 2024 | 81 | $40.5M | 11.94% | 0.00% | 0.76% | 51.6% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Wisconsin
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First National Bank in TigertonBank Tigerton, WI | 87 out of 100, Very strong | $29.3M | 13.0% | 0.00% | vs |
| Columbia Savings and Loan AssociationBank Milwaukee, WI | 13 out of 100, Low | $20.6M | 5.5% | 19.47% | vs |
| Thrivent Trust CompanyBank Appleton, WI | 93 out of 100, Very strong | $15.5M | 82.7% | 0.00% | vs |
| Park Bank, National AssociationBank Holmen, WI | 63 out of 100, Moderate | $76.5M | 14.3% | 2.23% | vs |
| Bank of OntarioBank Ontario, WI | 51 out of 100, Below average | $79.0M | 13.9% | 8.53% | vs |
| Hustisford State BankBank Hustisford, WI | 84 out of 100, Strong | $80.3M | 15.2% | 0.22% | vs |
Deposit insurance
Is my money safe at Highland State Bank?
Yes. Highland State Bank is an FDIC-insured institution (FDIC certificate #6198). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 12.7% of deposits ($4.9M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.98%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
Highland State Bank lists 1 office in 1 city. Most locations:
- Highland, WI (1)
Identity & history
Profile
- Legal name
- Highland State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 6198
- RSSD ID
- 681249
- Primary regulator
- FDIC
- Holding company
- Southwestern Wi Bancshares Inc
- Established
- June 1, 1903
- Headquarters
- 541 Main St, Highland, WI 53543
- Website
- www.highlandstatebank.net
- Employees
- 7
Quick answers
Highland State Bank: common questions
Is Highland State Bank FDIC insured?
Yes. Highland State Bank is an FDIC-insured institution (FDIC certificate #6198). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Highland State Bank's TellerScore?
65 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Highland State Bank ever failed?
There is no failure record for FDIC certificate #6198 in the FDIC failed bank list.
How many branches does Highland State Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Highland
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Richland County BankBank Richland Center, WI | 96 out of 100, Very strong | $114.1M | 17.8% | 0.00% | vs |
| The Peoples Community BankBank Mazomanie, WI | 87 out of 100, Very strong | $388.8M | 12.8% | 0.14% | vs |
| Mound City BankBank Platteville, WI | 86 out of 100, Very strong | $550.7M | 13.1% | 0.11% | vs |
| Peoples State BankBank Prairie Du Chien, WI | 80 out of 100, Strong | $993.0M | 11.5% | 0.21% | vs |
| Royal BankBank Elroy, WI | 79 out of 100, Strong | $816.1M | 10.5% | 0.06% | vs |
| Community First BankBank Boscobel, WI | 78 out of 100, Strong | $634.1M | 11.0% | 0.32% | vs |