Highland Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at Highland Bank. Its balance sheet stood at $776 million at June 30, 2026; it is based in Saint Paul, Minnesota. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.51% of loans from 1.90% a year earlier. It loses about $0.21 a year on every $100 of assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also holds common equity equal to 10.10% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 15.12%).
It lost $409,000 in the quarter. The non-owner-occupied commercial real estate book ($171 million) is worsening: 5.77% of it is past due or on nonaccrual, up from 3.14% a year earlier. Credit is the area to watch: it carries problem assets equal to 20.4% of the capital and reserves that would absorb them, 7.7 times the median of 2.6% for banks its size.
As of June 30, 2026, Highland Bank reported a CET1 capital ratio of 10.10%, a return on assets of -0.21%, a nonperforming-loan ratio of 2.51% and a Texas ratio of 20.36%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 2100 Ford Pkwy, Saint Paul, MN 55116
- County
- Ramsey
- Metro Area
- Minneapolis-St. Paul-Bloomington, MN-WI
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- December 28, 1943
- Former names
- Security Bank Northwest (1990-1995); Security State Bank of St. Michael (1978-1990)
- Offices
- 8 domestic
- Employees (FTE)
- 92
- Domestic deposits
- $684.4M
- Allowance for credit losses
- $14.3M
- Net charge-offs (YTD)
- $2.2M
- Average total assets
- $776.8M
- Average total loans
- $556.8M
- Average interest-bearing deposits
- $630.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 3, 1944
- FDIC Cert
- 16111
- Fed RSSD
- 764058
- SEC CIK
- 1829043 → filed by HIGHLAND BANCSHARES, INC.
- Website
- www.highland.bank →
- Parent Holding Company
- HIGHLAND BANCSHARES, INC. (RSSD 1124659)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Highland Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Highland Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Highland Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.10% | -0.21% | 2.51% | 20.36% | 3.85% |
| Q1 2026 | 10.26% | 0.29% | 1.12% | 8.96% | 3.80% |
| Q4 2025 | 10.44% | -1.35% | 1.11% | 8.92% | 3.75% |
| Q3 2025 | 9.85% | 0.63% | 1.90% | 15.57% | 3.97% |
| Q2 2025 | 10.27% | -0.01% | 1.90% | 16.27% | 3.81% |
| Q1 2025 | 10.52% | 0.78% | 0.01% | 0.09% | 3.82% |
| Q4 2024 | 10.55% | 0.84% | 0.03% | 0.10% | 3.73% |
| Q3 2024 | 10.54% | 0.53% | 0.04% | 0.19% | 3.61% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 8 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| St Paul Branch | Saint Paul , MN | 55116 | $217.1M |
| Maple Grove Branch | Maple Grove , MN | 55369 | $146.5M |
| Saint Michael Branch | Saint Michael , MN | 55376 | $83.4M |
| Bloomington Branch | Bloomington , MN | 55437 | $75.0M |
| Ridgedale State Bank Branch | Minnetonka , MN | 55305 | $74.9M |
| Boundary Waters Bank Branch | Ely , MN | 55731 | $44.7M |
| Woodbury Branch | Woodbury , MN | 55129 | $42.8M |
| Highland Bank (main office) | Saint Paul , MN | 55116 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 19, 2023 | Structure Change | Acquired Boundary Waters Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 18, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 9, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 9, 2008 | Structure Change | Acquired Ridgedale State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 2, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1995 | Structure Change | Acquired The Highland Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
What the public regulatory sources show for Highland Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- August 20, 2010, Federal Reserve: Written Agreement: Highland Bancshares, Inc., St. Michael, Minnesota
- Period: Most recent institution action August 20, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in MN, rank 41 of 279 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 489 applications, 352 loans originated, $51.7M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 17 loans, $9.8M approved, $574K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Highland Bank
What are Highland Bank's total assets?
As of the Q2 2026 filing, Highland Bank reported total assets of $775.9 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Highland Bank headquartered?
Highland Bank is headquartered in Saint Paul, MN, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Highland Bank founded?
Highland Bank was established in 1943, per the FDIC institution directory.
Is Highland Bank FDIC-insured?
Yes. Highland Bank is an FDIC-insured commercial bank (FDIC Certificate #16111). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Highland Bank?
Highland Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Highland Bank's CET1 capital ratio?
Highland Bank reported a Common Equity Tier 1 (CET1) capital ratio of 10.10% in its Q2 2026 call report, above regulatory requirements.
How many branches does Highland Bank operate?
Highland Bank operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Highland Bank's Texas Ratio?
Highland Bank's Texas Ratio is 20.36% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Highland Bank previously called?
The charter now named Highland Bank has also operated as Security Bank Northwest (1990-1995), Security State Bank of St. Michael (1978-1990), per FDIC structure-change records.
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