Highland Federal Savings & Loan Association: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The largest change between Q1 2026 and Q2 2026 was in Loan-to-deposit ratio, which fell 0.74 percentage points to 62.94%. Within Tennessee, Highland Federal Savings & Loan Association is 94th of 109 on return on assets, 0.63% as of Q2 2026, below the middle of the field. Highland Federal Savings & Loan Association reported 0.63% on return on assets for Q2 2026, 0.35 points below the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 22.20% |
| Equity capital to assets | 22.34% |
| Tangible equity to tangible assets | 22.34% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.72% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.63% |
| Return on equity | 2.84% |
| Net interest margin | 3.71% |
| Efficiency ratio | 79.73% |
| Yield on earning assets | 4.94% |
| Cost of funds | 1.46% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 62.94% |
| Core deposits to total deposits | 88.13% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 76.30% |
| Securities to assets | 2.91% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 21.00% | 1.06% | 3.57% | 0.00% | 0.00% |
| Q4 2023 | 21.27% | 0.84% | 3.64% | 0.00% | 0.00% |
| Q1 2024 | 21.42% | 0.57% | 3.53% | 0.00% | 0.00% |
| Q2 2024 | 21.19% | 0.64% | 3.83% | 0.00% | 0.00% |
| Q3 2024 | 21.60% | 1.07% | 3.86% | 0.00% | 0.00% |
| Q4 2024 | 21.78% | 0.98% | 3.82% | 0.00% | 0.00% |
| Q1 2025 | 21.83% | 0.88% | 3.64% | 0.00% | 0.00% |
| Q2 2025 | 21.68% | 0.66% | 3.83% | 0.00% | 0.00% |
| Q3 2025 | 22.16% | 0.64% | 3.57% | 0.00% | 0.00% |
| Q4 2025 | 22.59% | 0.45% | 3.71% | 0.00% | 0.00% |
| Q1 2026 | 22.63% | 0.58% | 3.58% | 0.00% | 0.00% |
| Q2 2026 | 22.20% | 0.63% | 3.71% | 0.00% | 0.00% |
Highland Federal Savings & Loan Association vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Highland Federal Savings & Loan Association, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Highland Federal Savings & Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31232) · FFIEC NIC profile (RSSD 652070)