| Metric | Highland State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.9% | +3.0% | +0.9 pts |
| Deposit growth (YoY) | +3.5% | +2.5% | +1.0 pts |
| Loan growth (YoY) | -7.8% | +2.6% | -10.4 pts |
| ROA | 1.28% | 0.99% | +0.3 pts |
| ROE | 11.1% | 8.1% | +3.0 pts |
ROA ranks in the 66th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $44.9M | $38.7M | $17.2M | $5.5M | $299K | 1.28% | 3.49% | 0.90% |
| Q1 2026 | $47.0M | $40.9M | $17.6M | $5.4M | $164K | 1.38% | 3.39% | 0.86% |
| Q4 2025 | $48.2M | $42.2M | $18.4M | $5.3M | $484K | 1.09% | 3.51% | 0.84% |
| Q3 2025 | $43.9M | $38.0M | $17.9M | $5.2M | $375K | 1.16% | 3.49% | 0.00% |
| Q2 2025 | $43.2M | $37.4M | $18.6M | $5.1M | $256K | 1.19% | 3.45% | 0.00% |
| Q1 2025 | $42.4M | $36.7M | $17.9M | $5.1M | $137K | 1.28% | 3.35% | 0.00% |
| Q4 2024 | $43.3M | $37.7M | $18.2M | $5.0M | $343K | 0.82% | 3.22% | 0.00% |
| Q3 2024 | $41.9M | $36.3M | $18.4M | $4.9M | $249K | 0.80% | 3.16% | 0.00% |
Loan mix (Q2 2026): real estate $14.2M · commercial $774K · consumer $1.8M · securities $14.4M
| Ratio | Highland State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.28% | 0.99% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 11.1% | 8.1% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.49% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.0% | 70.8% | 41st |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Highland State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Highland State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Highland State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Highland State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Highland State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2025) · $38.7M branch deposits. Biggest market: Iowa, WI, ranked 8th with 5.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Iowa, WI | 1 | $38.7M | 5.34% | 8th |
Wisconsin: 255th with 0.01% · Madison metro: 50th, 0.10% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
Technology spend up 37% in 2025. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).