TellerScore

Headquartered in Saint Paul, Minnesota, Highland Bank is a state-chartered bank with $775.9M in total assets and $684.4M in deposits as of Q2 2026. It operates 8 offices. Its charter dates back to 1943.

Based on its Q2 2026 filing, Highland Bank scores 34/100, which we describe as low. That is higher than only 1% of 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 220th. Its strongest component is funding & liquidity (60/100; 80% loans-to-deposits, 33% uninsured), and its lowest is loan quality (16/100; 2.51%).

TellerScore · Q2 2026

Scorecard

Capital cushion36/100
Tier 1 leverage ratio: 8.58%
Loan quality16/100
Noncurrent loans ÷ total loans: 2.51%
Earnings22/100
Return on assets (annualized): 0.04%
Funding & liquidity60/100
Loans ÷ deposits and uninsured-deposit share: 80.2% · 33.2% uninsured
Problem-loan coverage60/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 19.80%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 10 points (44 → 34), mostly because the loan quality component weakened by 21 points.

TellerScore
345167Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202465
Q3 202464
Q4 202465
Q1 202567
Q2 202544
Q3 202546
Q4 202548
Q1 202651
Q2 202634
Tier 1 leverage ratio
5.00%6.91%8.81%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.81%
Q3 20248.64%
Q4 20248.74%
Q1 20258.81%
Q2 20258.64%
Q3 20258.70%
Q4 20258.43%
Q1 20268.65%
Q2 20268.58%
Noncurrent loans
0.01%1.26%2.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.03%
Q3 20240.04%
Q4 20240.03%
Q1 20250.01%
Q2 20251.90%
Q3 20251.90%
Q4 20251.11%
Q1 20261.12%
Q2 20262.51%
Return on assets
0.01%0.40%0.79%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.65%
Q3 20240.61%
Q4 20240.67%
Q1 20250.79%
Q2 20250.39%
Q3 20250.47%
Q4 20250.01%
Q1 20260.30%
Q2 20260.04%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202634$775.9M8.58%2.51%0.04%80.2%
Q1 202651$769.8M8.65%1.12%0.30%80.2%
Q4 202548$765.5M8.43%1.11%0.01%81.0%
Q3 202546$779.0M8.70%1.90%0.47%81.7%
Q2 202544$778.3M8.64%1.90%0.39%83.5%
Q1 202567$793.3M8.81%0.01%0.79%78.9%
Q4 202465$761.1M8.74%0.03%0.67%81.6%
Q3 202464$787.1M8.64%0.04%0.61%80.6%
Q2 202465$759.1M8.81%0.03%0.65%82.3%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.58%
7th
Total risk-based capital11.36%
50th
Problem loans2.51%
8th
Net charge-offs0.80%
3rd
Return on assets0.04%
4th
Net interest margin3.94%
50th
Efficiency ratio74.3%
22nd
Loans to deposits80.2%
49th
Uninsured deposits33.2%
21st
Loan-loss reserves2.53%
97th
Texas ratio19.8%
6th

Similar-size banks in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
Alliance BankBank Lake City, MN70 out of 100, Strong$755.9M10.1%0.01%vs
Platinum BankBank Oakdale, MN55 out of 100, Moderate$739.1M8.5%0.81%vs
FM BankBank Waseca, MN66 out of 100, Moderate$738.4M7.7%0.00%vs
The Bank of Elk RiverBank Elk River, MN59 out of 100, Moderate$719.1M9.1%1.20%vs
Northeast BankBank Minneapolis, MN74 out of 100, Strong$837.3M10.1%0.20%vs
HomeTown BankBank Carver, MN64 out of 100, Moderate$691.9M8.3%0.37%vs

Deposit insurance

Is my money safe at Highland Bank?

Yes. Highland Bank is an FDIC-insured institution (FDIC certificate #16111). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 33.2% of deposits ($227.1M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.58%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.36% (benchmark: 10%).

Check how much of your own balance is covered

8 locations

Branches

Highland Bank lists 7 offices in 7 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Highland Bank reported 489 home-loan applications under HMDA (LEI 549300TN0C13QXN1P552): 352 originated ($51,730,000 total), 69 denied, and 43 withdrawn or closed by the applicant. Its denial rate on decided applications was 15.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Highland Bank
Former names
Security State Bank of St. Michael; Security Bank Northwest
Type
State-chartered bank
FDIC certificate #
16111
RSSD ID
764058
Primary regulator
FDIC
Holding company
Highland Bancshares Inc
Established
December 28, 1943
Headquarters
2100 Ford Pkwy, Saint Paul, MN 55116
Employees
92

Quick answers

Highland Bank: common questions

Is Highland Bank FDIC insured?

Yes. Highland Bank is an FDIC-insured institution (FDIC certificate #16111). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Highland Bank's TellerScore?

34 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Highland Bank ever failed?

There is no failure record for FDIC certificate #16111 in the FDIC failed bank list.

How many branches does Highland Bank have?

8 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Saint Paul

InstitutionScoreAssetsCapitalProblem loansCompare
Castle Rock BankBank Castle Rock, MN93 out of 100, Very strong$293.5M14.2%0.01%vs
Vermillion State BankBank Vermillion, MN90 out of 100, Very strong$931.4M13.4%0.24%vs
Ziegler Federal Credit UnionCredit union Bloomington, MN87 out of 100, Very strong$4.3M26.9%1.09%vs
Carpenters Federal Credit UnionCredit union Saint Paul, MN86 out of 100, Very strong$44.3M16.0%1.01%vs
Think Mutual BankBank Rochester, MN86 out of 100, Very strong$2.2B16.3%0.25%vs
PrinsBankBank Prinsburg, MN85 out of 100, Very strong$308.3M12.0%0.29%vs