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Highland Federal Savings And Loan Association
Crossville, TN · FDIC Certificate #31232 · Chartered 02/1
Total assets
$78.96M
Total deposits
$60.25M
Total equity
$17.64M
Net loans
$37.65M
Branches (offices)
2
Net income (YTD)
$238.00K
Rank: #3,841 of 4,213 U.S. banks by assets · #107 of 109 in Tennessee. Assets changed 0.2% and deposits -0.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.61% |
| Return on equity | 2.72% |
| Net interest margin (YTD) | 3.69% |
| Equity to assets | 22.34% |
| Tier 1 leverage ratio | 22.20% |
| Uninsured deposits (share of deposits) | 6.9% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 62.5% |
| Real estate loans (share of loans) | 99.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $37.59M | 99.9% | |
| Commercial & industrial | $179.00K | 0.5% | |
| Consumer / individual | $116.00K | 0.3% | |
| Construction & development | $7.05M | 18.7% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $76.93M | $60.42M | $30.00K | $15.27M |
| Jun 2023 | $75.74M | $58.57M | $297.00K | $15.89M |
| Jun 2024 | $77.58M | $59.72M | $233.00K | $16.49M |
| Jun 2025 | $78.84M | $60.38M | $303.00K | $17.19M |
| Jun 2026 | $78.96M | $60.25M | $238.00K | $17.64M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Tennessee | $60.25M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $60.25M.
Similar-sized banks
Zavala County Bank ($78.99M) · Mcclave State Bank ($78.91M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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