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Highland Federal Savings & Loan Association

Crossville, TN · Cert 31232

State savings bank · OCC · 2 branches

Q2 2026

$79.0MAssets
$37.9MLoans
$60.3MDeposits
$17.6MEquity
Loan mix
99%RE $37.9M0%C&I $0.2M0%Consumer $0.1MQ2 2025Q2 2026
Deposit mix
88%Interest-bearing $53.1M12%Noninterest $7.1MQ2 2025Q2 2026

NIM

4.49%Q2 ’244.55%Q2 ’254.37%Q2 ’26+2%-3%

Non-interest income vs. expense

2.94%Q2 ’243.04%Q2 ’253.23%Q2 ’26-8%+8%

Executive Summary

  • Earnings: ROA of 0.61%, down 16 bps year over year; NIM at 3.27%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 22.20%, up 52 bps from a year ago.
  • Funding: loans stand at 62.94% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.61%-16 bps YoY

Net Interest Margin (YTD, annualized)

3.27%-11 bps YoY

Efficiency Ratio (YTD, annualized)

80.40%+655 bps YoY

Tier 1 Leverage Ratio

22.20%+52 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.77%0.73%0.66%0.58%0.61%-16 bps
Return on Equity3.56%3.33%2.99%2.59%2.72%-84 bps
Net Interest Margin3.38%3.37%3.40%3.25%3.27%-11 bps
Efficiency Ratio73.85%75.14%78.03%81.11%80.40%+655 bps
Non-Interest Burden2.30%2.36%2.50%2.49%2.48%+18 bps
Growth
Asset Growth (YoY)1.62%-0.21%-2.42%-0.13%0.15%-147 bps
Loan Growth (YoY)-1.03%-4.31%-4.36%-0.19%1.22%+225 bps
Deposit Growth (YoY)1.11%-1.32%-3.64%-0.70%-0.22%-133 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.72%0.73%0.73%0.71%0.72%0 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio21.68%22.16%22.59%22.63%22.20%+52 bps
Total Risk-Based Capital21.68%22.16%22.59%22.63%22.20%+52 bps
Equity / Assets21.80%22.59%22.83%22.22%22.34%+54 bps
Liquidity & Funding
Loans / Deposits62.04%63.77%64.19%63.68%62.94%+89 bps
Liquid Assets / Assets43.58%42.42%41.98%42.29%42.54%-104 bps
CRE / Total Capitaln/a32.72%34.39%41.84%n/an/a