HIGHLAND FEDERAL SAVINGS & LOAN ASSOCIATION

CROSSVILLE, TN | Micro | Est. Feb. 16, 1961, midnight | FDIC #31232 | RSSD #652070 | OCC
Latest Report: 2025-12-31

HIGHLAND FEDERAL SAVINGS & LOAN ASSOCIATION is amn micro FDIC-insured commercial bank headquartered in CROSSVILLE, TN, established in Feb. 16, 1961, midnight. As of 2025-12-31, the bank reported total assets of $76M and total deposits of $58M. Profitability stands at 0.45% ROA and 1.98% ROE, with a net interest margin of 3.69%. The bank's CET1 capital ratio is 22.21%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #31232.

Assets

$76M

Deposits

$58M

Loans

$37M

Equity

$17M

Profitability

Return on Assets (ROA) 0.45%
Return on Equity (ROE) 1.98%
Net Interest Margin (NIM) 3.69%
Yield on Assets 4.99%
Cost of Funds 1.77%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio --
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.73%

Capital & Liquidity

CET1 Ratio 22.21%
Tier 1 Capital 22.21%
Total Capital Ratio 23.32%
Leverage Ratio 22.59%
Loan-to-Deposit 64.19%

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