FDIC Cert #31232 · Crossville, Tennessee · Est. 1961

Highland Federal Savings and Loan Association - FDIC Bank Health Profile

A community-scale look at Highland Federal Savings and Loan Association's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$76M
Total assets
B
Health grade · Good
0.66%
Return on assets
22.6%
Tier 1 capital

Data updated July 2026

The verdict

Highland Federal Savings and Loan Association earns a PlainBankData health grade of B (78/100), with well-capitalized at 22.59% Tier 1, 0.66% ROA, 78% efficiency ratio.

#3,939
largest of 4,313 FDIC banks by assets
9th
percentile by asset size, nationally
22.59%
Tier 1 ratio - above the 10% well-capitalized line
22nd
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.

FDIC Call Report plate

Cert 31232 · TN B · 78/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-B B (78/100)
  • MID-PACK #2272/4307
  • PHOTO-FINISH First Federal Bank · FL
  • TIER1-WELL 22.6% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-THIN 0.66% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Tennessee: First Federal Bank, FL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Highland Federal Savings and Loan Ass…

Lowest and highest poles plus nearest scored peers outside Tennessee, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100First Federal Bank · FL · ne…78/100Highland Federal Sav… · TN ·…78/100Pickens Savings and… · SC · …78/100Progressive Ozark Bank · MO …78/100Security Federal Bank · SC ·…78/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Highland Federal Savings and Loan Ass… · July 2026

What Highland Federal Savings and Loan Ass…'s Call Report plate shows

Highland Federal Savings and Loan Association (FDIC Cert #31232) carries a PlainBankData health grade of B at 78/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,272 of 4,307. Tier 1 capital prints at 22.59%, clearing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.66%. Balance-sheet scale is $76M, 3,939th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First Federal Bank (FL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Highland Federal Savings and Loan Ass…

7 FAILURE resolutions in Tennessee since 2000 (6 since 2008)

Highland Federal Savings and Loan Association's home state sits in the middle band of post-2000 FAILURE counts (7; 6 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Highland Federal Savings and Loan Association remains an active FDIC-insured reporter.

  • TRUST COMPANY BANK MEMPHIS, TN 2016 → THE BANK OF FAYETTE COUNTY
  • COMMUNITY SOUTH BANK PARSONS, TN 2013 → CB&S BANK, INC.
  • MOUNTAIN NATIONAL BANK SEVIERVILLE, TN 2013 → FIRST TENNESSEE BANK, NATIONAL ASSOCIATION

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Tennessee banks.

How Highland Federal Savings and Loan Association's 78/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10078/100
Highland Federal Savings and Loan Association's composite health score
Tier 1 Capital Ratio (22.59%) 40/40
Return on Assets (ROA) (0.66%) 14/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (78.03%) 4/15

78 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$76M

Total balance-sheet footings

Total Deposits

$58M

Customer-funded liabilities

Net Loans

$37M

Outstanding loan book

Net Income

$514K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 21.19% 22.59% 23.99%
Basel III capital ratios - Highland Federal Savings and Loan Association

Where Highland Federal Savings and Loan Association ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Highland Federal Savings and Loan Association's score of 78/100 falls in the highlighted band.

Highland Federal Savings and Loan Association: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

78 47th percentile higher than 47% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Highland Federal Savings and Loan Ass… 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Highland Federal Savings and Loan Association'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 Federal Savings and Loan Association's $76M falls in the highlighted band.

Safety ratios for Highland Federal Savings and Loan Ass…

Tier 1 capital ratio
Well-capitalized 10%

22.59% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
22.59%
Texas Ratio
0.00%
Equity Capital
$17M

What these ratios mean →

Profitability metrics: Highland Federal Savings and Loan Ass…

Return on Assets (ROA)
22nd percentile nationally
0.66%
Return on Equity (ROE)
2.99%
Efficiency Ratio
78.03%

What these mean →

Income & expense at Highland Federal Savings and Loan Ass…

$4M
Interest Income
$532K
Non-Interest Income
$2M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Highland Federal Savings and Loan Association reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Highland Federal Savings and Loan Association on FDIC BankFind →

Top banks in Tennessee by total assets

Largest banks headquartered in Tennessee
  1. 1
    First Horizon Bank $83.6B

    Memphis, TN · Grade B

  2. 2
    Pinnacle Bank $57.6B

    Nashville, TN · Grade A

  3. 3
    FirstBank $16.3B

    Nashville, TN · Grade B

  4. 4
    Wilson Bank and Trust $5.9B

    Lebanon, TN · Grade A

  5. 5
    SmartBank $5.9B

    Pigeon Forge, TN · Grade B

Top 5 banks in Tennessee ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($76M here), outside Tennessee so the neighborhood is not state containment.

Vantage Bank $76M · MN The Atlanta National Bank $76M · IL Conneaut Savings Bank $76M · OH Scottsburg Building and Loan Associat… $76M · IN

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Highland Federal Savings and Loan Association (FDIC Cert #31232) - 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.

Highland Federal Savings and Loan Association Call Report profile · FDIC Failed Bank List · Tennessee FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Tennessee

All Tennessee banks →
BankAssetsGradeROA
First Horizon BankMemphis $83.6B B 1.35%
Pinnacle BankNashville $57.6B A 1.25%
FirstBankNashville $16.3B B 0.89%
Wilson Bank and TrustLebanon $5.9B A 1.38%
SmartBankPigeon Forge $5.9B B 1.00%
SouthEast BankFarragut $3.5B C 0.68%
Home Federal Bank of TennesseeKnoxville $2.7B C 0.21%
Builtwell BankChattanooga $2.3B A 2.07%