Advertisement
Highland Bank
Saint Paul, MN · FDIC Certificate #16111 · Chartered 12/2
Total assets
$775.92M
Total deposits
$684.38M
Total equity
$57.10M
Net loans
$548.92M
Branches (offices)
8
Net income (YTD)
$159.00K
Rank: #1,284 of 4,213 U.S. banks by assets · #28 of 221 in Minnesota. Assets changed -0.3% and deposits 4.4% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.04% |
| Return on equity | 0.56% |
| Net interest margin (YTD) | 3.94% |
| Equity to assets | 7.36% |
| Tier 1 leverage ratio | 8.58% |
| Uninsured deposits (share of deposits) | 33.2% |
| Noncurrent loans (share of loans) | 2.51% |
| Net charge-offs (share of loans) | 0.80% |
| Loans to deposits | 80.2% |
| Real estate loans (share of loans) | 77.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $423.76M | 77.2% | |
| Commercial & industrial | $138.98M | 25.3% | |
| Consumer / individual | $348.00K | 0.1% | |
| Construction & development | $13.48M | 2.5% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $623.82M | $529.18M | $5.35M | $47.92M |
| Jun 2023 | $686.34M | $542.08M | $2.29M | $36.54M |
| Jun 2024 | $759.08M | $654.20M | $2.51M | $53.69M |
| Jun 2025 | $778.26M | $655.36M | $1.53M | $56.29M |
| Jun 2026 | $775.92M | $684.38M | $159.00K | $57.10M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $684.38M | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $684.38M.
Similar-sized banks
Home State Bank, National Association ($775.95M) · Industrial Bank ($774.25M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement