BanksHIGHLAND FEDERAL SAVINGS & LOAN ASSOCIATION

HIGHLAND FEDERAL SAVINGS & LOAN ASSOCIATION

CROSSVILLE, TNMicroEst. Feb. 16, 1961, midnightFDIC #31232RSSD #652070OCC
Latest · 2025-12-31

HIGHLAND FEDERAL SAVINGS & LOAN ASSOCIATION is an 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%. CET1 capital ratio: 22.21%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.00%. Operates 2 domestic branches.

Assets
$76M
Deposits
$58M
Loans
$37M
Equity
$17M

Profitability

Return on Assets (ROA)0.45%
Return on Equity (ROE)1.98%
Net Interest Margin3.69%
Yield on Assets4.99%
Cost of Funds1.58%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio0.00%
Texas Ratio0.00%
NPA Ratio0.00%
ACL / Loans0.73%

Capital & Liquidity

CET1 Ratio22.21%
Tier 1 Capital22.21%
Total Capital Ratio23.32%
Leverage Ratio22.59%
Loan-to-Deposit64.19%

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