BlastPoint's Banking Scorecard

Highland Bank

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

Saint Paul, MN

8 branches across MN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 151 in MN.
Deposits +4.4% year over year ($684.4M on the books).
Delinquency rate 2.57%.
Return on assets 0.04%.
Efficiency ratio 74.29% vs a 64.48% peer average.
Loan-to-deposit ratio 80.21% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 151 in MN

View $100M-$1B leaderboard (MN) →

Highland Bank faces 5 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 12.1% in tier
- Return on Assets 1.28% below tier average
- Delinquency Rate 1.66% above tier average
- Nonperforming Asset Ratio 1.27% above tier average
- Efficiency Ratio 9.81% above tier average

Get updates when Highland Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$775.9M -0.3% YoY +0.8% QoQ	+$389.3M	$386.6M +1.2% YoY	$524.5M +5.8% YoY	$6.3B +7.7% YoY	Top 9.1% in tier
Total Loans ?	$548.9M +0.3% YoY +2.1% QoQ	+$290.6M	$258.3M +1.7% YoY	$300.2M +7.3% YoY	$3.2B +9.4% YoY	Top 8.1% in tier
Total Deposits ?	$684.4M +4.4% YoY +2.1% QoQ	+$357.6M	$326.7M +0.7% YoY	$452.1M +5.5% YoY	$4.9B +7.3% YoY	Top 7.8% in tier
Return on Assets ?	0.04% -89.5% YoY -86.1% QoQ	-1.28%	1.32% +10.8% YoY	1.26% +17.2% YoY	1.30% +12.1% YoY	Bottom 3.6% in tier
Net Interest Margin ?	3.94% +0.2% YoY +1.7% QoQ	-0.04%	3.99% +5.0% YoY	4.00% +6.8% YoY	3.95% +4.9% YoY	50%
Efficiency Ratio ?	74.29% -1.0% YoY -1.9% QoQ	+9.81%	64.48% -3.2% YoY	63.00% -3.5% YoY	70.05% +2.5% YoY	22%
Delinquency Rate ?	2.57% +32.6% YoY +124.0% QoQ	+1.66%	0.92% +15.7% YoY	1.01% +19.3% YoY	0.98% +16.3% YoY	Bottom 8.2% in tier
Loan-to-Deposit Ratio ?	80.21% -4.0% YoY +0.0% QoQ	+2.26%	77.95% +1.0% YoY	78.29% -0.6% YoY	79.03% +2.3% YoY	49%
Non-Interest-Bearing Deposit Share ?	25.06% -11.3% YoY +0.4% QoQ	+3.03%	22.03% -0.6% YoY	21.79% +0.9% YoY	21.98% -0.6% YoY	66%
Nonperforming Asset Ratio ?	1.93% +30.8% YoY +110.8% QoQ	+1.27%	0.67% +16.4% YoY	0.76% +16.9% YoY	0.69% +15.8% YoY	Bottom 7.9% in tier
Tier 1 Capital Ratio ?	10.10% -1.7% YoY -1.5% QoQ	-5.81%	15.91% +1.4% YoY	15.35% -0.4% YoY	17.09% +0.8% YoY	Bottom 12.1% in tier
Non-Interest Income / Assets ?	0.12% -20.4% YoY +120.8% QoQ	-0.44%	0.57% +7.6% YoY	0.31% +3.9% YoY	0.66% +5.2% YoY	26%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Noninterest-Bearing	25.1% -3.2pp YoY +0.1pp QoQ	+2.9pp	22.1%	21.9%	22.2%	66%
Brokered Deposits	8.2% +3.4pp YoY +2.0pp QoQ	+0.3pp	7.9%	8.3%	8.5%	69%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
C&I	25.3% 0.0pp YoY -0.9pp QoQ	+13.8pp	11.6%	14.6%	12.5%	94%
CRE	54.3% -0.7pp YoY +0.7pp QoQ	+14.8pp	39.5%	36.5%	41.4%	77%
1-4 Family	22.8% +1.4pp YoY +0.3pp QoQ	-9.9pp	32.6%	29.4%	31.3%	36%
Consumer	0.1% 0.0pp YoY 0.0pp QoQ	-4.0pp	4.1%	4.5%	5.0%	4%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
CET1 Ratio	10.1% -0.2pp YoY -0.2pp QoQ	-8.7pp	18.8%	16.5%	19.7%	3%
Leverage Ratio	8.6% -0.1pp YoY -0.1pp QoQ	-3.6pp	12.2%	11.0%	12.6%	7%
Total Capital Ratio	11.4% -0.2pp YoY -0.2pp QoQ	-8.6pp	19.9%	17.6%	20.8%	3%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Full-Time Employees	92 -12 (-11.5%) YoY +1 (+1.1%) QoQ	+33	58	55	482	83%
Assets per Employee ($)	$8.4M +12.7% YoY -0.3% QoQ	+$916K	$7.5M	$8.6M	$8.8M	73%
Branch Count	8 0 YoY 0 QoQ	+3	4	4	18	82%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Past Due 90+ Days	0.1%	-0.2pp	0.3%	0.4%	0.4%	50%
Nonaccrual	2.6% +0.5pp YoY +1.3pp QoQ	+1.7pp	0.9%	1.0%	1.0%	92%
Allowance Coverage	1.01x -4.8% YoY -54.8% QoQ	-23.14x	24.15x	20.41x	20.23x	27%
Net Charge-off Rate (YTD)	0.8% +0.8pp YoY +0.7pp QoQ	+0.7pp	0.1%	0.2%	0.2%	96%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
ROE	0.6% -4.9pp YoY -3.4pp QoQ	-11.6pp	12.2%	13.1%	11.6%	4%
Cost of Funds (YTD)	1.8% -0.1pp YoY 0.0pp QoQ	+0.1pp	1.7%	1.7%	1.7%	61%
Net Income ($, YTD)	$159,000 -89.6% YoY — QoQ	-$2.4M	$2.6M	$4.5M	$40.4M	5%

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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 (1)

Capital Thin

risk

#81 of 661 • Bottom 12.1% 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: 10.10%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

208

Total Deposits

size

Value: $684.38M

Peer Median: $326.73M

#208 of 2643 Top 7.8% in $100M-$1B

215

Total Loans

size

Value: $548.92M

Peer Median: $258.35M

#215 of 2643 Top 8.1% in $100M-$1B

242

Total Assets

size

Value: $775.92M

Peer Median: $386.57M

#242 of 2643 Top 9.1% in $100M-$1B

Top Weaknesses (5 metrics)

2548

Return on Assets

profitability

Value: 0.04%

Peer Median: 1.32%

#2548 of 2643 Bottom 3.6% in $100M-$1B

2436

Nonperforming Asset Ratio

credit_quality

Value: 1.93%

Peer Median: 0.67%

#2436 of 2643 Bottom 7.9% in $100M-$1B

2417

Delinquency Rate

credit_quality

Value: 2.57%

Peer Median: 0.92%

#2417 of 2633 Bottom 8.2% in $100M-$1B

2324

Tier 1 Capital Ratio

capital

Value: 10.10%

Peer Median: 15.91%

#2324 of 2643 Bottom 12.1% in $100M-$1B

2074

Efficiency Ratio

profitability

Value: 74.29%

Peer Median: 64.48%

#2074 of 2643 Bottom 21.6% in $100M-$1B