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Highland Bank

Saint Paul, MN
IDRSSD: 764058
Total Assets
$778.98M
Latest filing
Total Deposits
$671.24M
Latest filing
Net Interest Margin
4.10%
Profitability
0

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 ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date12/28/1943
Community BankYes
Ownership TypeNot Mutual
ZIP55116
State and County Number27123
Subchapter S CorporationsYes
Trust PowersN/A
Federal Reserve ID Number09
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictKansas City
Core Based Statistical Area NameMinneapolis-St. Paul-Bloomington, MN-WI

Operational Info

Number of Employees104
Domestic Offices8
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date09/06/2024
Date of Deposit Insurance01/03/1944
Primary Insurance AgencyDIF
Websitewww.highland.bank
Data Updated11/14/2025
CERT16111
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$778.98M
Total Deposits$671.24M
Total Liabilities$720.14M
Total Equity Capital$58.84M
Net Income$1.24M
Net Loans and Leases$548.28M
Assets Per Employee ($Millions)$7.71M
Bank Premises and Fixed Assets$8.62M
Cash and Balances due from Depository Institutions$15.73M
Deposits Held in Domestic Offices$671.24M

Key Performance Ratios

Return on Assets (ROA)0.64%
Return on Equity (ROE)8.62%
Net Interest Margin4.1%
Efficiency Ratio72.95%
Tier 1 Risk-Based Capital Ratio9.853%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.48%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets7.553%
Earning Assets to total Assets95.87%

Income and Expense

Total Interest Income$11.44M
Total Noninterest Income$609.00k
Total Interest Expense$3.79M
Total Noninterest Expense$6.10M
Net Interest Income$7.66M
Pre-tax Net Operating Income$1.24M
Provision for Credit Losses$927.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
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$12.90M
Total Liabilities and Capital$778.98M

Securities

Securities$190.73M
Available-for-sale debt securities$190.73M
Equity securities with readily determinable fair values not held for trading$0
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?
$778.98M as of the latest filing.
How much are Highland Bank's total deposits?
$671.24M in total deposits.
Where is Highland Bank located?
Saint Paul, MN.
What is the Net Interest Margin?
4.10%.
How many domestic offices does it operate?
8.
When was it established?
12/28/1943.
What is the Return on Assets (ROA)?
0.64%.
How much are total loans and leases?
$548.28M (latest filing).
What is the total interest income (latest filing)?
$11.44M.