Highland Federal Savings & Loan Association
Crossville, TN · Cert 31232 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
State savings bank · OCC · 2 branches
Q2 2026
$79.0MAssets
$37.9MLoans
$60.3MDeposits
$17.6MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
- Widest gap: return on equity trails 89% of banks under $1B in assets operating in a single state (rank 667 of 746).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.60%
Rank 606 of 746
Net Interest Margin
3.27%
Rank 532 of 746
Efficiency Ratio
80.40%
Rank 622 of 746
Equity / Assets
22.34%
Rank 26 of 746
Non-interest income vs. expense
Unfavorable gap of $2.0M · efficiency ratio beats 17% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.60% | 0.72% | 1.06% | 1.45% | Beats 19% | 606 / 746 | |
| Return on Equity | 2.70% | 6.74% | 10.51% | 13.63% | Beats 11% | 667 / 746 | |
| Net Interest Margin | 3.27% | 3.17% | 3.68% | 4.16% | Beats 29% | 532 / 746 | |
| Efficiency Ratio | 80.40% | 55.74% | 64.58% | 75.47% | Beats 17% | 622 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 22.20% | 11.55% | 13.75% | 17.60% | Beats 88% | 91 / 746 | |
| Total Risk-Based Capital Ratio | 22.20% | 11.71% | 14.33% | 18.43% | Beats 86% | 107 / 746 | |
| Equity / Assets | 22.34% | 8.90% | 10.51% | 13.06% | Beats 97% | 26 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 62.94% | 61.31% | 78.27% | 90.78% | 27th pctl | 548 / 746 | |
| Loans / Assets | 48.02% | 53.60% | 66.97% | 76.08% | 18th pctl | 610 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |