Highland Bank
Saint Paul, MN
IDRSSD: 764058
Total Assets
$765.50M
Latest filing
Total Deposits
$661.25M
Latest filing
Net Interest Margin
4.02%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
2 routesView all→
091205283SAINT MICHAEL, MN091916378SAINT PAUL, MN
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Highland Bank
2100 Ford Pkwy
Saint Paul, MN 55116
Limited Service - Administrative
Updated 01/30/2026Established 12/28/1943FDIC Certificate 10328
Branches (7)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Highland Bank (Main) | 2100 Ford Pkwy | Saint Paul, MN |
| ST PAUL BRANCH | 2100 Ford Pkwy | Saint Paul, MN |
| RIDGEDALE STATE BANK BRANCH | 1700 Plymouth Rd | Minnetonka, MN |
| MAPLE GROVE BRANCH | 13250 Grove Dr | Maple Grove, MN |
| BLOOMINGTON BRANCH | 5270 W 84th St | Bloomington, MN |
| WOODBURY BRANCH | 2230 Eagle Creek Ln | Woodbury, MN |
| SAINT MICHAEL BRANCH | 113 Central Avenue East | Saint Michael, MN |
| BOUNDARY WATERS BANK BRANCH | 601 E Sheridan St | Ely, MN |
Showing 7 of 7
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 12/28/1943 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 55116 |
| State and County Number | 27123 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 09 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Minneapolis-St. Paul-Bloomington, MN-WI |
Operational Info
| Number of Employees | 101 |
| Domestic Offices | 8 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 09/06/2024 |
| Date of Deposit Insurance | 01/03/1944 |
| Primary Insurance Agency | DIF |
| Website | www.highland.bank |
| Data Updated | 01/30/2026 |
| CERT | 16111 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $765.50M |
| Total Deposits | $661.25M |
| Total Liabilities | $708.08M |
| Total Equity Capital | $57.42M |
| Net Income | $-2,667,000 |
| Net Loans and Leases | $535.55M |
| Assets Per Employee ($Millions) | $7.5M |
| Bank Premises and Fixed Assets | $8.47M |
| Cash and Balances due from Depository Institutions | $15.37M |
| Deposits Held in Domestic Offices | $661.25M |
Key Performance Ratios
| Return on Assets (ROA) | -1.38% |
| Return on Equity (ROE) | -18.35% |
| Net Interest Margin | 4.02% |
| Efficiency Ratio | 61.53% |
| Tier 1 Risk-Based Capital Ratio | 10.44% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 2.95% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.502% |
| Earning Assets to total Assets | 96.05% |
Income and Expense
| Total Interest Income | $11.07M |
| Total Noninterest Income | $610.00k |
| Total Interest Expense | $3.63M |
| Total Noninterest Expense | $5.03M |
| Net Interest Income | $7.45M |
| Pre-tax Net Operating Income | $-2,666,000 |
| Provision for Credit Losses | $5.70M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $36.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $10.83M |
| Total Liabilities and Capital | $765.50M |
Securities
| Securities | $190.63M |
| Available-for-sale debt securities | $190.63M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Highland Bank?
$765.50M as of the latest filing.
How much are Highland Bank's total deposits?
$661.25M in total deposits.
Where is Highland Bank located?
Saint Paul, MN.
What is the Net Interest Margin?
4.02%.
How many domestic offices does it operate?
8.
When was it established?
12/28/1943.
What is the Return on Assets (ROA)?
-1.38%.
How much are total loans and leases?
$535.55M (latest filing).
What is the total interest income (latest filing)?
$11.07M.