HIGHLAND BANK

SAINT PAUL, MN | Medium | Est. Dec. 28, 1943, midnight | FDIC #16111 | RSSD #764058 | FDIC
Latest Report: 2025-12-31

HIGHLAND BANK is amn medium FDIC-insured commercial bank headquartered in SAINT PAUL, MN, established in Dec. 28, 1943, midnight. As of 2025-12-31, the bank reported total assets of $766M and total deposits of $661M. Profitability stands at -1.38% ROA and -18.35% ROE, with a net interest margin of 4.19%. The bank's CET1 capital ratio is 10.44%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.83% and a Texas Ratio of 6.51%. FDIC Certificate #16111.

Assets

$766M

Deposits

$661M

Loans

$548M

Equity

$57M

Profitability

Return on Assets (ROA) -1.38%
Return on Equity (ROE) -18.35%
Net Interest Margin (NIM) 4.19%
Yield on Assets 6.24%
Cost of Funds 2.06%

Asset Quality

NPL Ratio 0.83%
Net Charge-Off Ratio 0.95%
Texas Ratio 6.51%
NPA Ratio 0.60%
ACL / Loans 2.33%

Capital & Liquidity

CET1 Ratio 10.44%
Tier 1 Capital 10.44%
Total Capital Ratio 11.70%
Leverage Ratio 8.43%
Loan-to-Deposit 82.92%

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