BlastPoint's Banking Scorecard
Highland Bank
Community
Specialty: Commercial
MN
FDIC cert 16111
Saint Paul, MN
1484
banks in Community tier nationally
45 in MN
View Community leaderboard (MN) →
Highland Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 1.15% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$765.5M
+0.6% YoY
-1.7% QoQ
|
-$625.9M |
$1.4B
+2.0% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
33% |
| Total Loans ? |
$535.6M
+0.1% YoY
-2.3% QoQ
|
-$439.9M |
$975.5M
+2.4% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
35% |
| Total Deposits ? |
$661.2M
+0.8% YoY
-1.5% QoQ
|
-$503.4M |
$1.2B
+1.7% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
34% |
| Return on Assets ? |
0.01%
-98.0% YoY
-97.2% QoQ
|
-1.15% |
1.16%
+17.2% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
Bottom 3% in tier |
| Net Interest Margin ? |
4.01%
+8.2% YoY
+0.3% QoQ
|
+0.34% |
3.66%
+9.1% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
70% |
| Efficiency Ratio ? |
71.10%
-10.3% YoY
-4.3% QoQ
|
+8.47% |
62.63%
-5.3% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
24% |
| Delinquency Rate ? |
1.13%
-41.5% QoQ
|
+0.51% |
0.63%
+18.3% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
80.99%
-0.7% YoY
-0.8% QoQ
|
-2.07% |
83.06%
+0.3% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
24.61%
-2.3% YoY
-0.8% QoQ
|
+3.56% |
21.05%
-0.9% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
68% |
| Nonperforming Asset Ratio ? |
0.91%
+482.3% YoY
-38.5% QoQ
|
+0.41% |
0.50%
+20.3% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
22% |
| Tier 1 Capital Ratio ? |
10.44%
-1.0% YoY
+6.0% QoQ
|
+0.20% |
10.24%
-0.6% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
33% |
| Non-Interest Income / Assets ? |
0.32%
+26.6% YoY
+36.2% QoQ
|
-0.42% |
0.74%
-1.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
25% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Return on Assets
metric
Bottom 3%
in Community
Why this stands out
Current:
0.01%
(Tier avg: 1.16%, National avg: 1.12%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
70
70th pctile
Net Interest Margin
Current: 4.01% · Tier avg: 3.66%
68
68th pctile
Non-Interest-Bearing Deposit Share
Current: 24.61% · Tier avg: 21.05%
40
40th pctile
Loan-to-Deposit Ratio
Current: 80.99% · Tier avg: 83.06%
35
35th pctile
Total Loans
Current: $535.6M · Tier avg: $975.5M
34
34th pctile
Total Deposits
Current: $661.2M · Tier avg: $1.2B
33
33th pctile
Total Assets
Current: $765.5M · Tier avg: $1.4B
33
33th pctile
Tier 1 Capital Ratio
Current: 10.44% · Tier avg: 10.24%
25
25th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.74%
24
24th pctile
Efficiency Ratio
Current: 71.10% · Tier avg: 62.63%
23
23th pctile
Delinquency Rate
Current: 1.13% · Tier avg: 0.63%
22
22th pctile
Nonperforming Asset Ratio
Current: 0.91% · Tier avg: 0.50%
3
3th pctile
Return on Assets
Current: 0.01% · Tier avg: 1.16%
Top Weaknesses
3
3th pctile
Return on Assets
Current: 0.01% · Tier avg: 1.16%
22
22th pctile
Nonperforming Asset Ratio
Current: 0.91% · Tier avg: 0.50%
23
23th pctile
Delinquency Rate
Current: 1.13% · Tier avg: 0.63%
24
24th pctile
Efficiency Ratio
Current: 71.10% · Tier avg: 62.63%
25
25th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.74%
33
33th pctile
Tier 1 Capital Ratio
Current: 10.44% · Tier avg: 10.24%
33
33th pctile
Total Assets
Current: $765.5M · Tier avg: $1.4B
34
34th pctile
Total Deposits
Current: $661.2M · Tier avg: $1.2B
35
35th pctile
Total Loans
Current: $535.6M · Tier avg: $975.5M
40
40th pctile
Loan-to-Deposit Ratio
Current: 80.99% · Tier avg: 83.06%
68
68th pctile
Non-Interest-Bearing Deposit Share
Current: 24.61% · Tier avg: 21.05%
70
70th pctile
Net Interest Margin
Current: 4.01% · Tier avg: 3.66%