Highland Federal Savings & Loan Association: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Highland Federal Savings & Loan Association of Crossville, TN against its peer group of 536 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.63% | 3.14% | -2.51% | 31st below |
| ROAE | 2.84% | 10.43% | -7.59% | 22nd bottom |
| Net Interest Margin | 3.71% | 3.93% | -0.22% | 41st below |
| Efficiency Ratio | 79.73% | 76.29% | +3.44% | 32nd below |
| PPNR / Avg Assets | 0.84% | 1.40% | -0.56% | 32nd below |
| Yield on Earning Assets | 4.94% | 5.35% | -0.41% | 38th below |
| Cost of Funds | 1.46% | 1.71% | -0.25% | 55th above |
| Net Interest Spread | 3.28% | 3.31% | -0.03% | 47th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.34% | -1.34% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 0.72% | 1.49% | -0.77% | 11th bottom |
| Texas Ratio | 0.00% | 8.27% | -8.27% | 84th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 22.20% | 17.59% | +4.61% | 84th top |
| Equity / Assets | 22.34% | 16.41% | +5.93% | 83rd top |
| TCE / Tangible Assets | 22.34% | 16.16% | +6.18% | 83rd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 62.94% | 72.85% | -9.91% | 56th above |
| Core Deposit Ratio | 88.13% | 88.21% | -0.08% | 32nd below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.15% | 4.31% | -4.16% | 34th below |
| Loan Growth (Y/Y) | 1.22% | 6.73% | -5.51% | 45th below |
| Deposit Growth (Y/Y) | -0.22% | 3.78% | -4.00% | 34th below |
See Highland Federal Savings & Loan Association's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Highland Federal Savings & Loan Association, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Highland Federal Savings & Loan Association profile, how to read a UBPR, or how this data updates.