Side-by-side · Q2 2026 data
First National Bank of Tennessee vs Highland Federal Savings and Loan Association
Bank
Highland Federal Savings and Loan Association
Crossville, Tennessee · Under $100 million in assets
Metric by metric
| Measure | First National Bank of Tennessee | Highland Federal Savings and Loan Association |
|---|---|---|
| TellerScore | 86 | 89 (stronger) |
| Capital cushion | 66 | 100 (stronger) |
| Loan quality | 91 | 100 (stronger) |
| Earnings | 100 (stronger) | 44 |
| Funding & liquidity | 91 | 98 (stronger) |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 97th | 87th |
| Total assets | $1.4B | $79.0M |
| Deposits / shares | $1.2B | $60.3M |
| Capital ratio | 11.55% | 22.20% (stronger) |
| Problem loans | 0.28% | 0.00% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 2.11% (stronger) | 0.61% |
| Loans ÷ deposits | 58.6% (stronger) | 62.5% |
| Uninsured deposits | 23.1% | 6.9% (stronger) |
| Offices | 7 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Highland Federal Savings and Loan Association has the higher TellerScore (89 vs 86). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of Tennessee leads on 2 and Highland Federal Savings and Loan Association on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.