Total Assets
$766M
Total balance-sheet footings
FDIC Cert #16111 · Saint Paul, Minnesota · Est. 1943
Highland Bank - FDIC Bank Health Profile
A community-scale look at Highland Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $766M
- Total assets
- C
- Health grade · Fair
- 0.01%
- Return on assets
- 10.4%
- Tier 1 capital
Data updated July 2026
The verdict
Highland Bank earns a PlainBankData health grade of C (55/100), with well-capitalized at 10.44% Tier 1, 0.01% ROA, 71% efficiency ratio.
- #1,300
- largest of 4,313 FDIC banks by assets
- 70th
- percentile by asset size, nationally
- 10.44%
- Tier 1 ratio - above the 10% well-capitalized line
- 6th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Highland Bank's 55/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Highland Bank's composite health score
Tier 1 Capital Ratio (10.44%) 28/40
Return on Assets (ROA) (0.01%) 7/25
Texas Ratio (8.65%) 16/20
Efficiency Ratio (71.10%) 4/15
55 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$661M
Customer-funded liabilities
Net Loans
$536M
Outstanding loan book
Net Income
$103K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Highland Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Highland Bank's score of 55/100 falls in the highlighted band.
Highland Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Highland Bank's $766M falls in the highlighted band.
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
10.44%
Texas Ratio
8.65%
Equity Capital
$57M
Profitability metrics
Return on Assets (ROA)
6th percentile nationally
0.01%
Return on Equity (ROE)
0.18%
Efficiency Ratio
71.10%
What the numbers say about Highland Bank
Highland Bank is an FDIC-insured institution (Certificate #16111) headquartered in Saint Paul, Minnesota, established in 1943. It holds $766M in total assets - 1,300th of 4,313 FDIC-insured banks, $661M in customer deposits, and $536M in net loans. Capital-wise, the Tier 1 ratio sits at 10.44%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 8.65%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of C (55 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Highland Bank sits 27th of 227 banks headquartered in Minnesota by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$45M
Interest Income
$2M
Non-Interest Income
$23M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Highland Bank reports a Texas Ratio of 8.65% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
8.65% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Minnesota by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Highland Bank (FDIC Cert #16111) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 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, FSBMinneapolis | $25.3B | A | 3.08% |
| Bridgewater BankSaint Louis Park | $5.4B | A | 0.99% |
| Frandsen Bank & TrustLonsdale | $3.7B | A | 1.48% |
| Stearns Bank National AssociationSaint Cloud | $3.3B | A | 1.85% |
| Minnwest BankRedwood Falls | $3.0B | B | 0.92% |
| Merchants Bank, National AssociationWinona | $2.9B | A | 1.23% |
| Tradition Capital BankWayzata | $2.6B | B | 0.71% |
| Think Mutual BankRochester | $2.2B | B | 0.61% |
Frequently asked questions
What is Highland Bank's health grade?▼
Highland Bank receives a health grade of C (55/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Highland Bank?▼
Highland Bank holds $766M in total assets and $661M in deposits, ranking 1,300th of 4,313 FDIC-insured banks by asset size. It is headquartered in Saint Paul, Minnesota.
Is my money safe at Highland Bank?▼
Yes, deposits at Highland Bank (Certificate #16111) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Highland Bank's Tier 1 Capital Ratio?▼
Highland Bank has a Tier 1 Capital Ratio of 10.44%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Highland Bank?▼
Highland Bank has a Texas Ratio of 8.65%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Highland Bank?▼
Highland Bank has an Efficiency Ratio of 71.10%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Highland Bank's profile as a depositor or analyst.
- Highland Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Highland Bank against other Minnesota banks before moving funds. Minnesota banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.