Total Assets
$76M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$58M
Customer-funded liabilities
Net Loans
$37M
Outstanding loan book
Net Income
$514K
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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 metrics
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
Profitability metrics
Return on Assets (ROA)
22nd percentile nationally
0.66%
Return on Equity (ROE)
2.99%
Efficiency Ratio
78.03%
What the numbers say about Highland Federal Savings and Loan Association
Highland Federal Savings and Loan Association is an FDIC-insured institution (Certificate #31232) headquartered in Crossville, Tennessee, established in 1961. It holds $76M in total assets - 3,939th of 4,313 FDIC-insured banks, $58M in customer deposits, and $37M in net loans. On safety, its Tier 1 capital ratio of 22.59% is above the 10% well-capitalized threshold, and its Texas Ratio of 0.00% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (78/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, Highland Federal Savings and Loan Association ranks 109th of 111 banks based in Tennessee -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$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.
Top banks in Tennessee by total assets
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.
Other banks in Tennessee
All Tennessee banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Highland Federal Savings and Loan Association's health grade?▼
Highland Federal Savings and Loan Association receives a health grade of B (78/100) 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 good financial health with solid capital levels above regulatory minimums.
How large is Highland Federal Savings and Loan Association?▼
Highland Federal Savings and Loan Association holds $76M in total assets and $58M in deposits, ranking 3,939th of 4,313 FDIC-insured banks by asset size. It is headquartered in Crossville, Tennessee.
Is my money safe at Highland Federal Savings and Loan Association?▼
Yes, deposits at Highland Federal Savings and Loan Association (Certificate #31232) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Highland Federal Savings and Loan Association's Tier 1 Capital Ratio?▼
Highland Federal Savings and Loan Association has a Tier 1 Capital Ratio of 22.59%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Highland Federal Savings and Loan Association?▼
Highland Federal Savings and Loan Association has a Texas Ratio of 0.00%. A ratio below 50% is generally considered 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 Federal Savings and Loan Association?▼
Highland Federal Savings and Loan Association has an Efficiency Ratio of 78.03%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Highland Federal Savings and Loan Association's profile as a depositor or analyst.
- Highland Federal Savings and Loan Association's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Highland Federal Savings and Loan Association against other Tennessee banks before moving funds. Tennessee 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.