BlastPoint's Banking Scorecard
Highland Federal Savings and Loan Association
Micro
Specialty: Other
TN
FDIC cert 31232
Designations: ✓ Community bank ✓ Mutual
Crossville, TN
2498
banks in Micro tier nationally
57 in TN
View Micro leaderboard (TN) →
Highland Federal Savings and Loan Association demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$76.2M
-2.4% YoY
-0.6% QoQ
|
-$141.3M |
$217.5M
+2.3% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
Bottom 15% in tier |
| Total Loans ? |
$36.7M
-4.4% YoY
-0.2% QoQ
|
-$102.4M |
$139.2M
+2.8% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
Bottom 14% in tier |
| Total Deposits ? |
$57.7M
-3.6% YoY
-0.9% QoQ
|
-$126.0M |
$183.7M
+1.8% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
Bottom 13% in tier |
| Return on Assets ? |
0.66%
-19.0% YoY
-9.5% QoQ
|
-0.42% |
1.08%
+14.7% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
26% |
| Net Interest Margin ? |
3.72%
-1.5% YoY
+0.3% QoQ
|
-0.13% |
3.85%
+6.6% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
45% |
| Efficiency Ratio ? |
78.03%
+7.8% YoY
+3.8% QoQ
|
+10.30% |
67.73%
-4.8% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
23% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.64% |
0.64%
+24.4% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
63.73%
-0.8% YoY
+0.7% QoQ
|
-10.80% |
74.53%
+0.5% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
10.35%
-5.3% YoY
-12.2% QoQ
|
-12.04% |
22.39%
-1.3% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
Bottom 12% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.45% |
0.45%
+25.1% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.70%
+27.4% YoY
+31.1% QoQ
|
+0.14% |
0.56%
+0.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
83% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (0)
No concerns identified
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
83
83th pctile
Non-Interest Income / Assets
Current: 0.70% · Tier avg: 0.56%
71
71th pctile
Loan-to-Deposit Ratio
Current: 63.73% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
45
45th pctile
Net Interest Margin
Current: 3.72% · Tier avg: 3.85%
26
26th pctile
Return on Assets
Current: 0.66% · Tier avg: 1.08%
23
23th pctile
Efficiency Ratio
Current: 78.03% · Tier avg: 67.73%
15
15th pctile
Total Assets
Current: $76.2M · Tier avg: $217.5M
14
14th pctile
Total Loans
Current: $36.7M · Tier avg: $139.2M
13
13th pctile
Total Deposits
Current: $57.7M · Tier avg: $183.7M
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 10.35% · Tier avg: 22.39%
Top Weaknesses
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 10.35% · Tier avg: 22.39%
13
13th pctile
Total Deposits
Current: $57.7M · Tier avg: $183.7M
14
14th pctile
Total Loans
Current: $36.7M · Tier avg: $139.2M
15
15th pctile
Total Assets
Current: $76.2M · Tier avg: $217.5M
23
23th pctile
Efficiency Ratio
Current: 78.03% · Tier avg: 67.73%
26
26th pctile
Return on Assets
Current: 0.66% · Tier avg: 1.08%
45
45th pctile
Net Interest Margin
Current: 3.72% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
71
71th pctile
Loan-to-Deposit Ratio
Current: 63.73% · Tier avg: 74.53%
83
83th pctile
Non-Interest Income / Assets
Current: 0.70% · Tier avg: 0.56%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%