Total Assets
$766M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
Highland Bank — FDIC Bank Health Profile
Saint Paul, Minnesota · Est. 1943. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
State chartered State member bank FDIC Cert #16111 Kansas City Region
D
Health grade
Weak
Score: 39/100
Basel III capital ratios — Highland Bank
Total Deposits
$661M
Customer-funded liabilities
Net Loans
$536M
Outstanding loan book
Net Income
$103K
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
10.44% of risk-weighted assets — above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
10.44%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$57M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
0.01%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
0.18%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
71.10%
Income & Expense Breakdown
$45M
Interest Income
$2M
Non-Interest Income
$23M
Non-Interest Expense
FDIC Deposit Insurance
Highland Bank is FDIC-insured (Certificate #16111). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About Highland Bank
Highland Bank is an FDIC-insured institution (Certificate #16111) headquartered in Saint Paul, Minnesota, established in 1943. The bank currently holds $766M in total assets and $661M in customer deposits, with $536M deployed as loans. It operates as a State chartered (State member bank) within the FDIC Kansas City region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, Highland Bank reports a Tier 1 Capital Ratio of 10.44% — above the 10% federal threshold for "well-capitalized" status and a Texas Ratio of —. Equity capital stands at $57M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 0.01% and a Return on Equity of 0.18%, with an Efficiency Ratio of 71.10% — above the 60% benchmark, meaning a larger share of revenue is consumed by operating costs. The combined picture yields a PlainBankData health grade of D (39/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at Highland Bank is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in Minnesota by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data Highland Bank (FDIC Cert #16111) — Tier 1 capital ratio, total assets, deposits, CRA rating · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other Banks in Minnesota
All Minnesota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Ameriprise Bank, FSB Minneapolis | $25.3B | A | 3.08% |
| Bridgewater Bank Saint Louis Park | $5.4B | C | 0.99% |
| Frandsen Bank & Trust Lonsdale | $3.7B | B | 1.48% |
| Stearns Bank National Association Saint Cloud | $3.3B | B | 1.85% |
| Minnwest Bank Redwood Falls | $3.0B | C | 0.92% |
| Merchants Bank, National Association Winona | $2.9B | C | 1.23% |
| Tradition Capital Bank Wayzata | $2.6B | C | 0.71% |
| Think Mutual Bank Rochester | $2.2B | F | 0.61% |
Frequently Asked Questions
What is Highland Bank's health grade? ▼
Highland Bank receives a health grade of D (39/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows notable financial weaknesses. Your deposits remain FDIC-insured up to $250,000.
How large is Highland Bank? ▼
Highland Bank holds $766M in total assets and $661M in deposits. It is headquartered in Saint Paul, Minnesota.
Is my money safe at Highland Bank? ▼
Yes. Highland Bank is FDIC-insured (Certificate #16111). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is Highland Bank's Tier 1 Capital Ratio? ▼
Highland Bank has a Tier 1 Capital Ratio of 10.44%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
How efficient is Highland Bank? ▼
Highland Bank has an Efficiency Ratio of 71.10%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.