Highland Federal Savings & Loan Association

Crossville, TN

Rating Date

October 2025

Risk Based
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Leverage
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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	3.90
Profitability Index	4.50
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	1.62%
5-Year Asset Growth	5.40%
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	78.84M
Total Deposits	60.39M

Capital and Reserves	Highland Federal Savings & Loan Association Crossville, TN	Click to Compare	Click to Compare	Click to Compare
Capital	17.19M
Leverage Ratio	21.68
Loan Loss Reserves to Loans	0.72%
Risk-Based Capital Ratio	--

Liquidity	Highland Federal Savings & Loan Association Crossville, TN	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	28.63%
Liquidity Ratio	57.16%

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	303.00K
Net Interest Spread	3.74%
Operating Profit to Average Assets	1.08%
Overhead Efficiency Ratio	73.85%
Return on Assets	0.77%
Return on Equity	3.55%