BlastPoint's Banking Scorecard
Highland Federal Savings and Loan Association
Designations: ✓ Community bank ✓ Mutual
Crossville, TN
2 branches across TN
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 536 banks in the under $100M peer group nationwide — 1 of 6 in TN.
- Deposits -0.2% year over year ($60.3M on the books).
- Delinquency rate 0.00%.
- Return on assets 0.61%.
- Efficiency ratio 80.40% vs a 119.40% peer average.
- Loan-to-deposit ratio 62.49% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Highland Federal Savings and Loan Association has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.48% below tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + Efficiency Ratio 38.99% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.39% below tier average
- - Net Interest Margin 0.23% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$79.0M
+0.2% YoY
+0.2% QoQ
|
+$16.5M |
$62.4M
-0.0% YoY
|
$2.9B
+37.8% YoY
|
$6.3B
+7.7% YoY
|
69% |
| Total Loans ? |
$37.6M
+1.2% YoY
-1.0% QoQ
|
+$2.8M |
$34.9M
-0.6% YoY
|
$2.1B
+37.6% YoY
|
$3.2B
+9.4% YoY
|
59% |
| Total Deposits ? |
$60.3M
-0.2% YoY
+0.2% QoQ
|
+$8.6M |
$51.6M
-0.2% YoY
|
$2.4B
+35.4% YoY
|
$4.9B
+7.3% YoY
|
60% |
| Return on Assets ? |
0.61%
-20.8% YoY
+4.7% QoQ
|
-0.39% |
1.00%
+3.5% YoY
|
1.13%
+12.0% YoY
|
1.30%
+12.1% YoY
|
31% |
| Net Interest Margin ? |
3.69%
-1.7% YoY
+2.8% QoQ
|
-0.23% |
3.91%
+2.3% YoY
|
3.99%
+5.6% YoY
|
3.95%
+4.9% YoY
|
38% |
| Efficiency Ratio ? |
80.40%
+8.9% YoY
-0.9% QoQ
|
-38.99% |
119.40%
+49.6% YoY
|
65.40%
-4.8% YoY
|
70.05%
+2.5% YoY
|
30% |
| Delinquency Rate ? | 0.00% | -1.48% |
1.48%
+31.8% YoY
|
0.70%
+6.5% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
62.49%
+1.4% YoY
-1.2% QoQ
|
-11.72% |
74.21%
+12.6% YoY
|
81.19%
+2.5% YoY
|
79.03%
+2.3% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
11.79%
+9.6% YoY
+6.4% QoQ
|
-11.70% |
23.49%
+0.6% YoY
|
18.80%
-1.8% YoY
|
21.98%
-0.6% YoY
|
18% |
| Nonperforming Asset Ratio ? | 0.00% | -0.84% |
0.84%
+23.0% YoY
|
0.58%
+9.8% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
22.20%
+2.4% YoY
-1.9% QoQ
|
-4.93% |
27.13%
+3.0% YoY
|
14.06%
-1.8% YoY
|
17.09%
+0.8% YoY
|
75% |
| Non-Interest Income / Assets ? |
0.38%
+2.6% YoY
+98.3% QoQ
|
-1.00% |
1.38%
+6.3% YoY
|
0.34%
-6.5% YoY
|
0.66%
+5.2% YoY
|
Top 12.3% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
11.8%
+1.0pp YoY +0.7pp QoQ |
-12.8pp | 24.6% | 18.8% | 22.2% | 14% |
| Brokered Deposits | n/a | n/a | 9.8% | 9.4% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
0.5%
0.0pp YoY 0.0pp QoQ |
-12.9pp | 13.4% | 10.9% | 12.5% | 2% |
| CRE | n/a | n/a | 25.2% | 42.4% | 41.4% | n/a |
| 1-4 Family |
81.1%
-4.6pp YoY +0.6pp QoQ |
+46.1pp | 35.0% | 39.8% | 31.3% | 92% |
| Consumer |
0.3%
+0.2pp YoY 0.0pp QoQ |
-7.4pp | 7.7% | 4.5% | 5.0% | 5% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 14.8% | 19.7% | n/a |
| Leverage Ratio |
22.2%
+0.5pp YoY -0.4pp QoQ |
+4.5pp | 17.7% | 11.4% | 12.6% | 89% |
| Total Capital Ratio | n/a | n/a | 39.7% | 15.9% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
13
+1 (+8.3%) YoY +1 (+8.3%) QoQ |
+1 | 12 | 270 | 482 | 62% |
| Assets per Employee ($) |
$6.1M
-7.6% YoY -7.5% QoQ |
-$114K | $6.2M | $7.1M | $8.8M | 51% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 17 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.2% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 0.7% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 28.97x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
2.7%
-0.8pp YoY +0.1pp QoQ |
-3.7pp | 6.4% | 10.9% | 11.6% | 23% |
| Cost of Funds (YTD) |
1.2%
-0.1pp YoY 0.0pp QoQ |
-0.2pp | 1.4% | 2.0% | 1.7% | 40% |
| Net Income ($, YTD) |
$238,000
-21.5% YoY — QoQ |
-$80K | $317,817 | $16.7M | $40.4M | 42% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.