BlastPoint's Banking Scorecard

Highland Bank

$100M-$1B Specialty: Commercial MN FDIC cert 16111

Saint Paul, MN

8 branches across MN

2664 banks in the $100M-$1B peer group nationally 152 in MN

Highland Bank faces 6 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 5.0% in tier
- Deposit Outflow: Bottom 27.7% in tier
- Return on Assets 0.97% below tier average
- Net Interest Margin 0.05% below tier average
- Efficiency Ratio 10.48% above tier average
- Delinquency Rate 0.26% above tier average

Get updates when Highland Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$769.8M -3.0% YoY +0.6% QoQ	+$383.7M	$386.1M +0.5% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	Top 9.7% in tier
Total Loans ?	$537.8M -1.0% YoY +0.4% QoQ	+$282.1M	$255.7M +1.1% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	Top 8.7% in tier
Total Deposits ?	$670.6M -2.6% YoY +1.4% QoQ	+$342.6M	$328.0M +0.1% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	Top 8.6% in tier
Return on Assets ?	0.30% -62.6% YoY	-0.97%	1.27% +12.9% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	Bottom 7.7% in tier
Net Interest Margin ?	3.88% -1.6% YoY -3.2% QoQ	-0.05%	3.93% +6.0% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	51%
Efficiency Ratio ?	75.76% +0.1% YoY +6.6% QoQ	+10.48%	65.29% -4.5% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	21%
Delinquency Rate ?	1.15% +1.3% QoQ	+0.26%	0.89% +18.8% YoY	1.04% +28.9% YoY	0.95% +18.8% YoY	25%
Loan-to-Deposit Ratio ?	80.20% +1.7% YoY -1.0% QoQ	+3.57%	76.64% +0.8% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	46%
Non-Interest-Bearing Deposit Share ?	24.96% -4.9% YoY +1.4% QoQ	+2.94%	22.02% -1.0% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	66%
Nonperforming Asset Ratio ?	0.92% +1.0% QoQ	+0.28%	0.64% +19.7% YoY	0.77% +27.1% YoY	0.67% +19.3% YoY	22%
Tier 1 Capital Ratio ?	10.26% -2.5% YoY -1.8% QoQ	-5.57%	15.83% +1.5% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	Bottom 13.1% in tier
Non-Interest Income / Assets ?	0.06% -15.4% YoY -82.5% QoQ	-0.22%	0.28% +9.3% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	23%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Capital Thin

risk

#34 of 666 • Bottom 5.0% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.26%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Deposit Outflow

decline

#141 of 506 • Bottom 27.7% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

230

Total Deposits

size

Value: $670.57M

Peer Median: $327.97M

#230 of 2664 Top 8.6% in $100M-$1B

232

Total Loans

size

Value: $537.82M

Peer Median: $255.72M

#232 of 2664 Top 8.7% in $100M-$1B

259

Total Assets

size

Value: $769.76M

Peer Median: $386.08M

#259 of 2664 Top 9.7% in $100M-$1B

Top Weaknesses (5 metrics)

2459

Return on Assets

profitability

Value: 0.30%

Peer Median: 1.27%

#2459 of 2664 Bottom 7.7% in $100M-$1B

2316

Tier 1 Capital Ratio

capital

Value: 10.26%

Peer Median: 15.83%

#2316 of 2664 Bottom 13.1% in $100M-$1B

2100

Efficiency Ratio

profitability

Value: 75.76%

Peer Median: 65.29%

#2100 of 2664 Bottom 21.2% in $100M-$1B

2083

Nonperforming Asset Ratio

credit_quality

Value: 0.92%

Peer Median: 0.64%

#2083 of 2664 Bottom 21.8% in $100M-$1B

2062

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.28%

#2062 of 2664 Bottom 22.6% in $100M-$1B