Highland Federal Savings & Loan Association
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Data as of · sourced from FFIEC call reports. How we update
Highland Federal Savings & Loan Association is an FDIC-insured savings institution headquartered in Crossville, TN, established in 1961 (FDIC certificate 31232), and it is supervised by the OCC. At Q2 2026 it reported total assets of $79.0M, up 0.2% from Q2 2025, the 107th largest of 109 banks headquartered in Tennessee. It reports no CET1 ratio; its Tier 1 leverage ratio was 22.20% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 31232
- Headquarters
- Crossville, TN
- Established
- 1961
- Total assets, Q2 2026
- $79.0M
- Assets vs Q2 2025
- +0.2%
- Tier 1 leverage ratio, Q2 2026
- 22.20%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 264171267
- Latest call report
- Q2 2026, FFIEC 051 · Highland Federal Savings & Loan Association Q3 2026 call report, filed October 26, 2026 (preliminary)
- Asset rank in state
- 107th of 109 in Tennessee
Highland Federal Savings & Loan Association, based in Crossville, Tennessee, reported $79 million in assets at June 30, 2026. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 1.4%). On the other hand, it returns 2.8% a year on shareholders' equity, about a third the median of 8.6% for banks its size.
As of June 30, 2026, Highland Federal Savings & Loan Association reported a return on assets of 0.63%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Tennessee, Highland Federal Savings & Loan Association is the 107th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.2% to $79.0M, loans fell 1.0% and deposits rose 0.2%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 80.5% of total loans, ahead of construction and land development loans at 18.6%. The FDIC Summary of Deposits lists 2 offices for it, in Crossville, TN. By the capital ratios in its Q2 2026 call report, Highland Federal Savings & Loan Association meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 106 S Main St, Crossville, TN 38555
- County
- Cumberland
- Metro Area
- Crossville, TN
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- —
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- February 16, 1961
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 13
- Domestic deposits
- $60.3M
- Allowance for credit losses
- $272K
- Net charge-offs (YTD)
- $0
- Average total assets
- $79.5M
- Average total loans
- $37.8M
- Average interest-bearing deposits
- $53.8M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 31232
- Fed RSSD
- 652070
- Website
- www.highlandfederal.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Highland Federal Savings & Loan Association reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Highland Federal Savings & Loan Association's total assets ran between $76.2M (Q4 2025) and $79.0M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$79.0M total assets against $78.8M; $61.3M total liabilities against $61.7M.
$37.6M net loans and leases against $37.2M; $60.3M total deposits against $60.4M.
$2.3M securities against $2.8M; $32.4M cash and balances due against $32.5M.
$892K total interest income against $926K; $221K total interest expense against $234K.
$671K net interest income against $692K.
$148K total noninterest income against $161K; $653K total noninterest expense against $677K.
No provision recorded in the last 12 quarters.
$125K net income against $131K.
0.63% return on assets against 0.66%; 3.71% net interest margin against 3.83%.
22.20% tier 1 leverage ratio against 21.68%.
Inside the full Highland Federal Savings & Loan Association terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.45% (Q4 2025) to 1.07% (Q3 2024) and its net interest margin ran from 3.57% (Q3 2025) to 3.86% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 22.20% | 0.63% | 0.00% | 0.00% | 3.71% |
| Q1 2026 | 22.63% | 0.58% | 0.00% | 0.00% | 3.58% |
| Q4 2025 | 22.59% | 0.45% | 0.00% | 0.00% | 3.71% |
| Q3 2025 | 22.16% | 0.64% | 0.00% | 0.00% | 3.57% |
| Q2 2025 | 21.68% | 0.66% | 0.00% | 0.00% | 3.83% |
| Q1 2025 | 21.83% | 0.88% | 0.00% | 0.00% | 3.64% |
| Q4 2024 | 21.78% | 0.98% | 0.12% | 0.26% | 3.82% |
| Q3 2024 | 21.60% | 1.07% | 0.00% | 0.00% | 3.86% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Highland Federal Savings and Loan Association | Crossville , TN | 38555 | $52.1M |
| Village Green Shopping Mall Branch | Crossville , TN | 38558 | $8.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TN, rank 149 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Highland Federal Savings & Loan Association
What are Highland Federal Savings & Loan Association's total assets?
As of the Q2 2026 filing, Highland Federal Savings & Loan Association reported total assets of $79.0 million in its FFIEC call report.
Where is Highland Federal Savings & Loan Association headquartered?
It is headquartered in Crossville, TN, United States.
When was Highland Federal Savings & Loan Association founded?
It was established in 1961, per the FDIC institution directory.
Is Highland Federal Savings & Loan Association FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #31232). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Highland Federal Savings & Loan Association?
Highland Federal Savings & Loan Association's primary federal regulator is the OCC.
How many branches does Highland Federal Savings & Loan Association operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Highland Federal Savings & Loan Association's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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