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Bank call report · Crossville, TN

Highland Federal Savings & Loan Association Call Report

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Highland Federal Savings & Loan Association filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 170 reported line items, schedule by schedule (512 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.

Highland Federal Savings & Loan Association call report filing details
Call report formFFIEC 051
Latest quarter filedQ2 2026 (June 30, 2026)
Federal Reserve RSSD ID652070
FDIC certificate number31232
Total assets$79.0M

Official Q2 2026 call report PDF (FFIEC) →

Highland Federal Savings & Loan Association call report by schedule, Q2 2026

Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.

Schedule RC: Balance Sheet (20 items)

About Schedule RC · Highland Federal Savings & Loan Association balance sheet trends

Highland Federal Savings & Loan Association Schedule RC, Q2 2026
Line item Code Q2 2026
Total Assets RCON2170 $79.0M
Total Liabilities, Limited-life Preferred Stock, and Equity Capital RCON3300 $79.0M
Total Liabilities and Minority Interest RCON2948 $61.3M
Total Deposits RCON2200 $60.3M
Total Interest-bearing Deposits in Foreign and Domestic Offices RCON6636 $53.1M
Loans and Leases, Net of Unearned Income - Totals RCONB528 $37.9M
Loans and Leases, Net of Unearned Income and Allowance RCONB529 $37.6M
Interest-bearing Balances RCON0071 $31.3M
Total Equity Capital RCON3210 $17.6M
Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries RCONG105 $17.6M
Undivided Profits and Capital Reserves RCON3632 $17.6M
Deposits: Noninterest-bearing RCON6631 $7.1M
Other Assets RCON2160 $4.7M
Held to maturity securities (ASU 2016-13 adoption) RCONJJ34 $2.3M
Held-to-maturity Securities, Total RCON1754 $2.3M
Premises and Fixed Assets (Including Capitalized Leases) RCON2145 $1.4M
Noninterest-bearing Balances and Currency and Coin RCON0081 $1.1M
Other Liabilities, Total RCON2930 $1.1M
Intangible Assets RCON2143 $598K
Allowance for Loan and Lease Losses RCON3123 $272K
Schedule RI: Income Statement (33 items)

About Schedule RI · Highland Federal Savings & Loan Association income statement trends

Highland Federal Savings & Loan Association Schedule RI, Q2 2026
Line item Code Q2 2026
Total Interest Income RIAD4107 $1.7M
Net Interest Income RIAD4074 $1.3M
Total Noninterest Expense RIAD4093 $1.3M
Interest and Fee Income on Loans, Total RIAD4010 $1.1M
Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties RIAD4435 $970K
Other Noninterest Expense RIAD4092 $605K
Interest Income on Balances Due from Depository Institutions RIAD4115 $570K
Salaries and Employee Benefits RIAD4135 $561K
Total Interest Expense RIAD4073 $436K
Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less RIADHK03 $339K
Income (Loss) Before Applicable Income Taxes and Discontinued Operations RIAD4301 $313K
Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) RIADHT69 $313K
Total Noninterest Income RIAD4079 $298K
Income (Loss) Before Discontinued Operations RIAD4300 $238K
Net Income (Loss) RIAD4340 $238K
Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests RIADG104 $238K
Interest and Fee Income on All Other Loans Secured by Real Estate RIAD4436 $167K
Expenses of Premises and Fixed Assets RIAD4217 $118K
Service Charges on Deposit Accounts in Domestic Offices RIAD4080 $94K
Net Gains (Losses) on Sales of Other Assets (Excluding Securities) RIADB496 $87K
Applicable Income Taxes RIAD4302 $75K
Net Servicing Fees RIADB492 $73K
Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 RIADHK04 $72K
Net Gains (Losses) on Sales of Loans RIAD5416 $41K
Savings Deposits (Including Mmdas) RIAD0093 $24K
Interest and Dividend Income on Securities: Mortgage-backed Securities RIADB489 $16K
Interest and Fee Income on Commercial and Industrial Loans RIAD4012 $5K
Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) RIADB486 $4K
Other Interest Income RIAD4518 $3K
Other Noninterest Income RIADB497 $3K
Provision for Loan and Lease Losses RIAD4230 $3K
Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) RIAD4508 $1K
Number of Full Time Equivalent Employees on Payroll at End of Current Period RIAD4150 13
Schedule RC-B: Securities (8 items)

About Schedule RC-B · Highland Federal Savings & Loan Association securities trends

Highland Federal Savings & Loan Association Schedule RC-B, Q2 2026
Line item Code Q2 2026
Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Held-to-maturity, Amortized Cost RCONHT54 $2.3M
Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Held-to-maturity, Fair Value RCONHT55 $2.1M
Total Fair Value of Held-to-maturity Securities RCON1771 $2.1M
Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years RCONA559 $1.6M
Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years RCONA558 $340K
Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years RCONA560 $327K
Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years RCONA557 $5K
Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months RCONA556 $3K
Schedule RC-C, Part I: Loans and Leases (24 items)

About Schedule RC-C, Part I · Highland Federal Savings & Loan Association loans and leases trends

Highland Federal Savings & Loan Association Schedule RC-C, Part I, Q2 2026
Line item Code Q2 2026
Total Loans and Leases, Net of Unearned Income RCON2122 $37.9M
All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens RCON5367 $28.4M
Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties RCON5370 $22.6M
Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years RCONA569 $14.5M
Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less RCONA247 $8.3M
Loans Secured by 1-4 Family Residential Construction RCONF158 $6.8M
Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years RCONA567 $5.8M
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months RCONA571 $5.0M
Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years RCONA568 $4.5M
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less RCONA570 $3.5M
Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months RCONA565 $2.7M
Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit RCON1797 $1.7M
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years RCONA574 $918K
Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less RCONA564 $729K
All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens RCON5368 $520K
Loans Secured by Other Construction Loans and All Land Development and Other Land Loans RCONF159 $221K
Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years RCONA566 $183K
Commercial and Industrial Loans RCON1766 $179K
Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) RCONK207 $116K
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years RCONA575 $112K
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years RCONA573 $50K
Other Loans RCONJ464 $31K
Revolving, open-end lines of credit secured by 1-4 family residential properties that have converted to non-revolving closed-end status that are included in item 1.c(1) above RCONLE75 $18K
All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years RCONA572 $9K
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (2 items)

About Schedule RC-C, Part II

Highland Federal Savings & Loan Association Schedule RC-C, Part II, Q2 2026
Line item Code Q2 2026
Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 RCON5573 $179K
Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 RCON5572 1
Schedule RC-E: Deposit Liabilities (19 items)

About Schedule RC-E · Highland Federal Savings & Loan Association deposit liabilities trends

Highland Federal Savings & Loan Association Schedule RC-E, Q2 2026
Line item Code Q2 2026
Total Nontransaction Accounts (Including Mmda's) RCON2385 $41.1M
Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations RCONB550 $41.1M
Total Transaction Accounts RCON2215 $19.2M
Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation RCONB549 $19.2M
Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less RCONHK11 $16.0M
Other Nontransaction Savings Deposits (Excludes Mmda's) RCON0352 $11.5M
Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months RCONHK08 $11.4M
Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 RCONJ473 $9.9M
Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 RCONJ474 $7.2M
Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less RCONK222 $7.2M
Total Demand Deposits (See Note Below) RCON2210 $7.1M
Total Time Deposits of Less Than $100,000 RCON6648 $6.9M
Money Market Deposit Accounts (Mmda's) RCON6810 $5.5M
Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less RCONHK07 $5.1M
Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months RCONHK13 $4.5M
Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less RCONHK12 $2.6M
All Time and Savings Deposits Held in IRA and Keogh Plan Accounts RCON6835 $2.6M
Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above RCONF233 $655K
Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years RCONHK09 $415K
Schedule RC-F: Other Assets (8 items)

About Schedule RC-F

Highland Federal Savings & Loan Association Schedule RC-F, Q2 2026
Line item Code Q2 2026
Life Insurance Assets: General Account Life Insurance Assets RCONK201 $3.8M
Other Assets RCON2168 $403K
First Itemized Amount That Exceeds 25% of All Other Assets (2168) RCON3549 $328K
Accrued Interest Receivable RCONB556 $186K
Life Insurance Assets: Separate Account Life Insurance Assets RCONK202 $148K
Net Deferred Tax Assets RCON2148 $82K
Historical Cost of All Other Available-for-sale Equity Securities RCON1752 $78K
Prepaid Expenses RCON2166 $42K
Schedule RC-G: Other Liabilities (4 items)

About Schedule RC-G

Highland Federal Savings & Loan Association Schedule RC-G, Q2 2026
Line item Code Q2 2026
All Other Liabilities RCON2938 $733K
Deferred Compensation Liabilities RCONC011 $728K
Interest Accrued and Unpaid on Deposits (in Domestic Offices) RCON3645 $309K
Other Expenses Accrued and Unpaid RCON3646 $32K
Schedule RC-K: Quarterly Averages (12 items)

About Schedule RC-K · Highland Federal Savings & Loan Association quarterly averages trends

Highland Federal Savings & Loan Association Schedule RC-K, Q2 2026
Line item Code Q2 2026
Quarterly Average of Total Assets RCON3368 $79.5M
Quarterly Average of Total Loans RCON3360 $37.8M
Quarterly Average of Interest-bearing Balances Due from Depository Institutions RCON3381 $32.0M
Quarterly Average of Loans Secured by 1-4 Family Residential Properties RCON3465 $28.8M
Nontransaction Accounts in Domestic Offices: Savings Deposits RCONB563 $17.9M
Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less RCONHK16 $16.8M
Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average RCON3485 $12.0M
Quarterly Average of All Other Loans Secured by Real Estate RCON3466 $7.2M
Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 RCONHK17 $7.1M
Mortgage-backed Securities RCONB559 $2.4M
Quarterly Average of Commercial and Industrial Loans RCON3387 $180K
Loans to Individuals for Household, Family, and Other Personal Expenditures: Other RCONB562 $132K
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (3 items)

About Schedule RC-L · Highland Federal Savings & Loan Association derivatives and off-balance-sheet items trends

Highland Federal Savings & Loan Association Schedule RC-L, Q2 2026
Line item Code Q2 2026
1-4 Family Residential Construction Loan Commitments RCONF164 $7.9M
Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties RCON3814 $2.2M
Other Unused Commitments: All Other Unused Commitments RCONJ459 $273K
Schedule RC-M: Memoranda (3 items)

About Schedule RC-M · Highland Federal Savings & Loan Association memoranda trends

Highland Federal Savings & Loan Association Schedule RC-M, Q2 2026
Line item Code Q2 2026
Estimated Fair Value of Mortgage Servicing Assets RCONA590 $598K
Mortgage Servicing Assets RCON3164 $598K
Does the Institution Use the Home Owners' Loan Act (Hola) Qtl Test or the Internal Revenue Service Domestic Building and Loan Association (IRS Dbla) Test to Determine Its Qtl Compliance? RCONL133 1
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (2 items)

About Schedule RC-N · Highland Federal Savings & Loan Association past due and nonaccrual loans, leases, and other assets trends

Highland Federal Savings & Loan Association Schedule RC-N, Q2 2026
Line item Code Q2 2026
Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing RCONC236 $226K
Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing RCON1406 $226K
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)

About Schedule RC-O · Highland Federal Savings & Loan Association other data for deposit insurance assessments trends

Highland Federal Savings & Loan Association Schedule RC-O, Q2 2026
Line item Code Q2 2026
Average Consolidated Total Assets for the Calendar Quarter RCONK652 $79.5M
Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions RCONF236 $60.8M
Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less RCONF049 $46.0M
Average Tangible Equity for the Calendar Quarter RCONK654 $17.6M
Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 RCONF051 $12.2M
Amount of Retirement Deposits Accounts of $250,000 or Less RCONF045 $2.4M
Amount of Retirement Deposit Accounts of More Than $250,000 RCONF047 $272K
Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less RCONF050 3,625
Number of Retirement Deposit Accounts of $250,000 or Less RCONF046 80
Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 RCONF052 32
Averaging Method Used RCONK653 1
Number of Retirement Deposit Accounts of More Than $250,000 RCONF048 1
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (14 items)

About Schedule RC-R, Part I · Highland Federal Savings & Loan Association regulatory capital components and ratios trends

Highland Federal Savings & Loan Association Schedule RC-R, Part I, Q2 2026
Line item Code Q2 2026
Average Total Assets (Net of Deductions) RCOAA224 $79.5M
Average total consolidated assets RCOAKW03 $79.5M
Total Assets RCOA2170 $79.0M
Common Equity Tier 1 Capital RCOAP859 $17.6M
Common Equity Tier 1 Capital Before Adjustments and Deductions RCOAP840 $17.6M
Retained Earnings RCOAKW00 $17.6M
Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions RCOAP852 $17.6M
Tier 1 Capital Allowable Under the Risk-based Capital Guidelines RCOA8274 $17.6M
Off-balance sheet exposures: Unused portion of conditionally cancellable commitments RCOAKX79 $2.2M
Total off-balance sheet exposures (sum of items 34.a through 34.c) Report as a dollar amount in Column A and as a percentage of total assets (25% limit) in Column B RCOAKX82 $2.2M
A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) RCOAP838 1
Do you qualify for and opt-in to CBLR? RCOALE74 1
Tier 1 Leverage Capital Ratio RCOA7204 0.222
Total off-balance sheet exposures (sum of items 15a through 15.c) RCOAKX83 0.0285
Schedule RI-A: Changes in Bank Equity Capital (3 items)

About Schedule RI-A

Highland Federal Savings & Loan Association Schedule RI-A, Q2 2026
Line item Code Q2 2026
Total Equity Capital RIAD3210 $17.6M
Balance End of Previous Calendar Year as Restated RIADB508 $17.4M
Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) RIAD3217 $17.4M
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (2 items)

About Schedule RI-B, Part II · Highland Federal Savings & Loan Association changes in allowances for credit losses trends

Highland Federal Savings & Loan Association Schedule RI-B, Part II, Q2 2026
Line item Code Q2 2026
Allowance for Loan and Lease Losses RIAD3123 $272K
Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) RIADB522 $269K
Schedule SU: Supplemental Information (1 item)

About Schedule SU

Highland Federal Savings & Loan Association Schedule SU, Q2 2026
Line item Code Q2 2026
Total Outstanding Principal Balance of Closed End 1-4 Family Residential Mortgage Loans Serviced for Others Plus the Total Outstanding Principal Balance of Other Financial Assets Serviced for Others If More Than $10 Million RCONFT12 $57.7M

Highland Federal Savings & Loan Association call reports on file

Each link opens the bank's filed report on the FFIEC Central Data Repository.

Where can I find the Highland Federal Savings & Loan Association call report?

The Highland Federal Savings & Loan Association call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.

Which call report form does Highland Federal Savings & Loan Association file?

Highland Federal Savings & Loan Association files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.

What is the Highland Federal Savings & Loan Association call report number?

A call report has no number of its own. It is filed and looked up by the bank's identifiers: Highland Federal Savings & Loan Association has Federal Reserve RSSD ID 652070 and FDIC certificate number 31232. Either one finds its filings on the FFIEC Central Data Repository.

How often does Highland Federal Savings & Loan Association file a call report?

Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.

Highland Federal Savings & Loan Association financial reports and ratios →

New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.