C
Highland Bank
Rating Date
October 2025
Risk Based
Capital Ratio
11.11
Leverage
Ratio
8.70
Return On
Assets
0.47%
Total
Assets
778.98M
Capital
58.84M
Total
Deposits
671.24M
Net
Income
2.77M
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Weiss Ratings Highland Bank
Saint Paul, MN 		Click to
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Rating C
Asset Quality Index 5.40
Capitalization Index 6.70
Liquidity Index 2.60
Profitability Index 1.50
Stability Index 6.10
Company Info Highland Bank
Saint Paul, MN 		Click to
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FDIC Number 16111
Phone Number (651) 698-2471
Website highland.bank
Asset Quality Highland Bank
Saint Paul, MN 		Click to
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1-Year Asset Growth -1.04%
5-Year Asset Growth 9.34%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.17%
Non-Performing Assets to Assets 1.48%
Non-Performing Loans to Capital 13.22%
Non-Performing Loans to Loans 1.90%
Balance Sheet Highland Bank
Saint Paul, MN 		Click to
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Total Assets 778.98M
Total Deposits 671.24M
Capital and Reserves Highland Bank
Saint Paul, MN 		Click to
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Capital 58.84M
Leverage Ratio 8.70
Loan Loss Reserves to Loans 2.06%
Risk-Based Capital Ratio 11.11
Liquidity Highland Bank
Saint Paul, MN 		Click to
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Hot Money Ratio 12.97%
Liquidity Ratio 23.57%
Profitability Highland Bank
Saint Paul, MN 		Click to
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5-Year Return on Average Assets 1.02%
Net Income 2.77M
Net Interest Spread 3.87%
Operating Profit to Average Assets 0.47%
Overhead Efficiency Ratio 75.14%
Return on Assets 0.47%
Return on Equity 6.51%