Highland Federal Savings & Loan Association

Crossville, TN

Rating Date

March 2026

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Weiss Ratings	Highland Federal Savings & Loan Association Crossville, TN	Click to Compare	Click to Compare	Click to Compare
Rating	B
Asset Quality Index	9.40
Capitalization Index	10.00
Liquidity Index	3.80
Profitability Index	3.00
Stability Index	8.10

Company Info	Highland Federal Savings & Loan Association Crossville, TN	Click to Compare	Click to Compare	Click to Compare
FDIC Number	31232
Phone Number	(931) 484-6178
Website	www.highlandfederal.com

Asset Quality	Highland Federal Savings & Loan Association Crossville, TN	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	-2.42%
5-Year Asset Growth	2.89%
5-Year Charge-Offs to Average Loans	0.00%
Charge-Offs to Average Loans	0.00%
Non-Performing Assets to Assets	0.00%
Non-Performing Loans to Capital	0.00%
Non-Performing Loans to Loans	0.00%

Balance Sheet	Highland Federal Savings & Loan Association Crossville, TN	Click to Compare	Click to Compare	Click to Compare
Total Assets	76.23M
Total Deposits	57.66M

Capital and Reserves	Highland Federal Savings & Loan Association Crossville, TN	Click to Compare	Click to Compare	Click to Compare
Capital	17.40M
Leverage Ratio	22.59
Loan Loss Reserves to Loans	0.73%
Risk-Based Capital Ratio	--

Liquidity	Highland Federal Savings & Loan Association Crossville, TN	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	29.98%
Liquidity Ratio	56.00%

Profitability	Highland Federal Savings & Loan Association Crossville, TN	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	0.59%
Net Income	514.00K
Net Interest Spread	3.69%
Operating Profit to Average Assets	0.89%
Overhead Efficiency Ratio	78.03%
Return on Assets	0.66%
Return on Equity	2.99%