Headquartered in Crossville, Tennessee, Highland Federal Savings and Loan Association is a savings bank with $79.0M in total assets and $60.3M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1961.
Highland Federal Savings and Loan Association has a TellerScore of 89 out of 100 (very strong) based on Q2 2026 data — higher than 87% of its 546 banks with under $100 million in assets. Among 109 banks headquartered in Tennessee, it ranks 7th. Capital cushion contributes the most (100/100, 22.20%); earnings contributes the least (44/100, 0.61%).
TellerScore · Q2 2026
Scorecard
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
The score has been essentially flat from Q2 2025 to Q2 2026 (90 → 89).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 88 |
| Q3 2024 | 89 |
| Q4 2024 | 89 |
| Q1 2025 | 91 |
| Q2 2025 | 90 |
| Q3 2025 | 89 |
| Q4 2025 | 89 |
| Q1 2026 | 88 |
| Q2 2026 | 89 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 21.19% |
| Q3 2024 | 21.60% |
| Q4 2024 | 21.78% |
| Q1 2025 | 21.83% |
| Q2 2025 | 21.68% |
| Q3 2025 | 22.16% |
| Q4 2025 | 22.59% |
| Q1 2026 | 22.63% |
| Q2 2026 | 22.20% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.12% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.61% |
| Q3 2024 | 0.76% |
| Q4 2024 | 0.82% |
| Q1 2025 | 0.88% |
| Q2 2025 | 0.77% |
| Q3 2025 | 0.73% |
| Q4 2025 | 0.66% |
| Q1 2026 | 0.58% |
| Q2 2026 | 0.61% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 89 | $79.0M | 22.20% | 0.00% | 0.61% | 62.5% |
| Q1 2026 | 88 | $78.8M | 22.63% | 0.00% | 0.58% | 63.2% |
| Q4 2025 | 89 | $76.2M | 22.59% | 0.00% | 0.66% | 63.7% |
| Q3 2025 | 89 | $76.7M | 22.16% | 0.00% | 0.73% | 63.3% |
| Q2 2025 | 90 | $78.8M | 21.68% | 0.00% | 0.77% | 61.6% |
| Q1 2025 | 91 | $78.9M | 21.83% | 0.00% | 0.88% | 62.9% |
| Q4 2024 | 89 | $78.1M | 21.78% | 0.12% | 0.82% | 64.2% |
| Q3 2024 | 89 | $76.8M | 21.60% | 0.00% | 0.76% | 65.3% |
| Q2 2024 | 88 | $77.6M | 21.19% | 0.00% | 0.61% | 62.9% |
546 peers · Under $100 million in assets
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).
Similar-size banks in Tennessee
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Lauderdale County BankBank Halls, TN | 67 out of 100, Moderate | $67.5M | 11.5% | 1.50% | vs |
| Farmers BankBank Parsons, TN | 60 out of 100, Moderate | $94.8M | 9.1% | 0.31% | vs |
| Lawrenceburg Federal BankBank Lawrenceburg, TN | 79 out of 100, Strong | $95.2M | 18.4% | 0.41% | vs |
| Union Bank & Trust CompanyBank Livingston, TN | 66 out of 100, Moderate | $98.1M | 12.9% | 2.63% | vs |
| Brighton BankBank Brighton, TN | 63 out of 100, Moderate | $51.0M | 9.8% | 0.07% | vs |
Deposit insurance
Is my money safe at Highland Federal Savings and Loan Association?
Yes. Highland Federal Savings and Loan Association is an FDIC-insured institution (FDIC certificate #31232). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 6.9% of deposits ($4.2M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 22.20%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
Highland Federal Savings and Loan Association lists 2 offices in 1 city. Most locations:
- Crossville, TN (2)
Identity & history
Profile
- Legal name
- Highland Federal Savings and Loan Association
- Type
- Savings bank
- FDIC certificate #
- 31232
- RSSD ID
- 652070
- Primary regulator
- OCC
- Established
- February 16, 1961
- Headquarters
- 106 S Main St, Crossville, TN 38555
- Website
- www.highlandfederal.com
- Employees
- 13
Quick answers
Highland Federal Savings and Loan Association: common questions
Is Highland Federal Savings and Loan Association FDIC insured?
Yes. Highland Federal Savings and Loan Association is an FDIC-insured institution (FDIC certificate #31232). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Highland Federal Savings and Loan Association's TellerScore?
89 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Highland Federal Savings and Loan Association ever failed?
There is no failure record for FDIC certificate #31232 in the FDIC failed bank list.
How many branches does Highland Federal Savings and Loan Association have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Crossville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| FSNB, National AssociationBank Lawton, OK | 96 out of 100, Very strong | $478.3M | 17.5% | 0.36% | vs |
| First National Bank of TennesseeBank Livingston, TN | 86 out of 100, Very strong | $1.4B | 11.6% | 0.28% | vs |
| One Bank of TennesseeBank Cookeville, TN | 79 out of 100, Strong | $1.7B | 9.1% | 0.01% | vs |
| Builtwell BankBank Chattanooga, TN | 73 out of 100, Strong | $2.3B | 9.7% | 0.57% | vs |
| Upper Cumberland Federal Credit UnionCredit union Crossville, TN | 72 out of 100, Strong | $140.5M | 9.9% | 0.20% | vs |
| First Farmers & Commercial BankBank Pikeville, TN | 71 out of 100, Strong | $226.4M | 9.9% | 0.07% | vs |