Highland Bank

Saint Paul, MN · Cert 16111 · Peer group: banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53) · Highland Bancshares Inc.

State charter, non-member · FDIC · 8 branches

Q2 2026

$775.9MAssets

$563.2MLoans

$684.4MDeposits

$57.1MEquity

Executive Summary

Strongest standing: net interest margin outperforms 47% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 28 of 53).
Widest gap: return on equity trails 96% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 51 of 53).
Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

0.03%

Rank 51 of 53

Net Interest Margin

3.77%

Rank 28 of 53

Efficiency Ratio

75.16%

Rank 47 of 53

Equity / Assets

7.36%

Rank 46 of 53

Non-interest income vs. expense

Unfavorable gap of $21.5M · efficiency ratio beats 13% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	0.03%	0.73%	1.11%	1.30%	Beats 4%	51 / 53
Return on Equity	0.44%	7.88%	12.20%	14.12%	Beats 4%	51 / 53
Net Interest Margin	3.77%	3.39%	3.77%	4.09%	Beats 47%	28 / 53
Efficiency Ratio	75.16%	56.05%	65.05%	71.57%	Beats 13%	47 / 53
Asset Quality
Nonperforming Loans / Loans	2.51%	0.14%	0.52%	1.20%	Beats 13%	47 / 53
Net Charge-Offs / Loans	0.40%	0.00%	0.01%	0.08%	Beats 11%	48 / 53
Capital
Tier 1 Capital Ratio	10.10%	10.73%	12.98%	15.08%	Beats 13%	46 / 53
Total Risk-Based Capital Ratio	11.36%	11.49%	13.79%	16.34%	Beats 21%	42 / 53
Equity / Assets	7.36%	8.08%	9.25%	10.72%	Beats 13%	46 / 53
Liquidity & Funding
Loans / Deposits	82.29%	72.13%	82.29%	93.80%	49th pctl	27 / 53
Loans / Assets	72.58%	63.64%	71.80%	79.37%	51st pctl	26 / 53
Brokered Deposits / Deposits	n/a	Not reported for this institution