B
Highland Federal Savings & Loan Association
Rating Date
August 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
22.20
Return On
Assets
0.61%
Total
Assets
78.96M
Capital
17.64M
Total
Deposits
60.25M
Net
Income
238.00K
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Weiss Ratings Highland Federal Savings & Loan Association
Crossville, TN 		Click to
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Rating B
Asset Quality Index 9.40
Capitalization Index 10.00
Liquidity Index 3.90
Profitability Index 2.30
Stability Index 7.90
Company Info Highland Federal Savings & Loan Association
Crossville, TN 		Click to
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FDIC Number 31232
Phone Number (931) 484-6178
Website www.highlandfederal.com
Asset Quality Highland Federal Savings & Loan Association
Crossville, TN 		Click to
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1-Year Asset Growth 0.15%
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
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Total Assets 78.96M
Total Deposits 60.25M
Capital and Reserves Highland Federal Savings & Loan Association
Crossville, TN 		Click to
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Capital 17.64M
Leverage Ratio 22.20
Loan Loss Reserves to Loans 0.72%
Risk-Based Capital Ratio --
Liquidity Highland Federal Savings & Loan Association
Crossville, TN 		Click to
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Hot Money Ratio 28.45%
Liquidity Ratio 56.57%
Profitability Highland Federal Savings & Loan Association
Crossville, TN 		Click to
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5-Year Return on Average Assets 0.57%
Net Income 238.00K
Net Interest Spread 3.65%
Operating Profit to Average Assets 0.80%
Overhead Efficiency Ratio 80.40%
Return on Assets 0.61%
Return on Equity 2.72%