Highland Federal Savings and Loan Association
Crossville, TN
IDRSSD: 652070
Total Assets
$76.23M
Latest filing
Total Deposits
$57.66M
Latest filing
Net Interest Margin
3.76%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Highland Federal Savings and Loan Association
106 S Main St
Crossville, TN 38555
Full Service - Brick and Mortar
Updated 01/30/2026Established 02/16/1961FDIC Certificate 44066
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Highland Federal Savings and Loan Association (Main) | 106 S Main St | Crossville, TN |
| VILLAGE GREEN SHOPPING MALL BRANCH | 126 Stonehenge Dr | Crossville, TN |
Showing 1 of 1
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 | Federal savings banks, federal charter, supervised by the OCC or (pre-2011) OTS |
| Primary Regulator | OCC |
| Established Date | 02/16/1961 |
| Community Bank | Yes |
| Ownership Type | Mutual |
| ZIP | 38555 |
| State and County Number | 47035 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 38 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Crossville, TN |
Operational Info
| Number of Employees | 12 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.highlandfederal.com |
| Data Updated | 01/30/2026 |
| CERT | 31232 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $76.23M |
| Total Deposits | $57.66M |
| Total Liabilities | $58.83M |
| Total Equity Capital | $17.40M |
| Net Income | $86.00k |
| Net Loans and Leases | $36.75M |
| Assets Per Employee ($Millions) | $6.35M |
| Bank Premises and Fixed Assets | $1.20M |
| Cash and Balances due from Depository Institutions | $30.40M |
| Deposits Held in Domestic Offices | $57.66M |
Key Performance Ratios
| Return on Assets (ROA) | 0.45% |
| Return on Equity (ROE) | 1.98% |
| Net Interest Margin | 3.76% |
| Efficiency Ratio | 86.93% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 22.826% |
| Earning Assets to total Assets | 90.19% |
Income and Expense
| Total Interest Income | $878.00k |
| Total Noninterest Income | $124.00k |
| Total Interest Expense | $229.00k |
| Total Noninterest Expense | $672.00k |
| Net Interest Income | $649.00k |
| Pre-tax Net Operating Income | $101.00k |
| Provision for Credit Losses | $0 |
| 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 | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.17M |
| Total Liabilities and Capital | $76.23M |
Securities
| Securities | $2.54M |
| Available-for-sale debt securities | $0 |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $2.54M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Highland Federal Savings and Loan Association?
$76.23M as of the latest filing.
How much are Highland Federal Savings and Loan Association's total deposits?
$57.66M in total deposits.
Where is Highland Federal Savings and Loan Association located?
Crossville, TN.
What is the Net Interest Margin?
3.76%.
How many domestic offices does it operate?
2.
When was it established?
02/16/1961.
What is the Return on Assets (ROA)?
0.45%.
How much are total loans and leases?
$36.75M (latest filing).
What is the total interest income (latest filing)?
$878.00k.