Highland Bank (FDIC #16111): Bank Stress & Real-Estate Credit Exposure
Highland Bank (FDIC Cert #16111): bank stress 99/100, severe, STABLE over 7 days; parent HIGHLAND BANCSHARES INC.
Highland Bank (#16111) lends in 5 counties across 1 state; Highland Bank (#16111) reaches 180 ZIP codes: Minnesota 5 counties, 180 ZIPs.
Highland Bank (#16111) largest markets: Hennepin County, MN (219 branches, 73 ZIPs) (#16111), St. Louis County, MN (52 branches, 52 ZIPs) (#16111), Ramsey County, MN (54 branches, 27 ZIPs) (#16111), Washington County, MN (19 branches, 19 ZIPs) (#16111), Wright County, MN (19 branches, 19 ZIPs) (#16111).
Highland Bank (#16111) reports $775.9 million in total assets; Highland Bank (#16111) equity $57.1 million (7.4% of Highland Bank (#16111) assets); Highland Bank (#16111) domestic deposits $684.4 million; Highland Bank (#16111) net income $159,000; Highland Bank (#16111) return on assets 0.04%; Highland Bank (#16111) return on equity 0.56%; Highland Bank (#16111) net interest income $14.6 million; Highland Bank (#16111) call report June 30, 2026.
Highland Bank (#16111) noncurrent real-estate loans: none reported; Highland Bank (#16111) residential -0.01%; Highland Bank (#16111) net charge-offs on real estate 2.51%; Highland Bank (#16111) residential charge-offs 3.59%.
Highland Bank (#16111) net interest margin 3.94% against an eight-quarter Highland Bank (#16111) average of 3.88% (Highland Bank (#16111) compression -0.07 points); Highland Bank (#16111) non-residential real estate 359.4% of equity; Highland Bank (#16111) rate-exposure score 40/100, Highland Bank (#16111) fixed-rate trap 40/100; Highland Bank (#16111) risk type credit driven; Highland Bank (#16111) rate regime rates elevated, Highland Bank (#16111) snapshot October 20, 2026.
Highland Bank (#16111) stress score moved from 91.9 on June 22, 2026 to 98.6 on October 20, 2026; Highland Bank (#16111) ranged 91.9 to 98.6 over 117 snapshots.
Highland Bank (#16111) alerts: 4 counties; top Highland Bank (#16111) alert scores: Ely County, MN 31 (low); Osseo County, MN 31 (low); Saint Michael County, MN 31 (low); Saint Paul County, MN 31 (low).