# HIGHLAND BANK
SAINT PAUL, MN · FDIC certificate 16111 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $775.9M | |
| Deposits | $684.4M | |
| Loans and leases | $563.2M | |
| Total equity | $57.1M | |
| Loans / deposits | 80.21% (p46 of band) | 82.04% |
| Liquid assets / assets | 26.23% (p54 of band) | |
| Uninsured deposits / deposits | 33.18% (p75 of band) | 25.97% |
| Brokered deposits | 7.21% | |
| Wholesale funding | 10.30% (p78 of band) | |
| FHLB advances / assets | 3.09% | |
| Tier 1 leverage | 8.58% (p7 of band) | 10.81% |
| Unrealized securities loss / equity | -20.70% (p22 of band) | -8.10% |
| AOCI / equity | -0.85% (p28 of band) | |
| ROA (annualized) | 0.04% (p4 of band) | 1.28% |
| Net interest margin | 3.94% (p52 of band) | 3.91% |
| Efficiency ratio | 74.29% (p81 of band) | |
| Noncurrent loans | 2.51% (p92 of band) | 0.43% |
| Net charge-offs (annualized) | 0.57% (p97 of band) | |
| Reserve coverage of noncurrent | 100.87% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 23.60% (p29 of band) | |
| Auto loans | $102,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 4.4% | |
| Employees | 92 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | wholesale funding >15%, leverage <7%, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 2 |  | leverage <7% |
| 2011-12 | 3 | leverage <7% |  |
| 2012-03 | 1 |  | reserve under noncurrent, leverage <7% |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | wholesale funding >15% |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | assets shrinking |  |
| 2013-06 | 3 | losing money, expense ratio p90 |  |
| 2013-09 | 1 |  | assets shrinking, losing money |
| 2013-12 | 0 |  | expense ratio p90 |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | wholesale funding >15% |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | capital falling |  |
| 2016-06 | 1 |  | capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | capital falling |  |
| 2018-09 | 1 |  | capital falling |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 1 |  | wholesale funding >15% |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | AOCI drag >20% of equity |  |
| 2022-06 | 3 | securities losses >30% of equity, assets shrinking |  |
| 2022-09 | 2 |  | assets shrinking |
| 2022-12 | 2 |  |  |
| 2023-03 | 3 | wholesale funding >15%, capital falling | AOCI drag >20% of equity |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 2 |  | capital falling |
| 2024-03 | 1 |  | wholesale funding >15% |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | securities losses >30% of equity |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | charge-offs p90 |  |
| 2026-03 | 0 |  | charge-offs p90 |
| 2026-06 | 2 | noncurrent p90, charge-offs p90 |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-01 [Table of Experts: Beyond the loan: Strategic SBA financing guidance from trusted experts - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxNMk9hQktLTUpsaThfOXZHWFZhd0JFLWZ5Zk1pUkRRbFdLa2tkYl9mMFdvV05CY1lBSjdXVjFlNE9NZkVGQmtSQmJWeHA5M2VRWFphN3JBVlpRb0prcGozOXRiS1F6OGNOU3luTWRHRlpSdXBFeVNXMTM1UE0wcU12SEd0RF9vNGw4YUFDMGhkSEZFRU9zTWJNYWdLY3lrcXY0QmU4?oc=5) · The Business Journals
- 2025-10-23 [Fast 50: Highland Bank climbs 10 spots on The List - The Business Journals](https://news.google.com/rss/articles/CBMinAFBVV95cUxNTmJuTktjbThuR2xsQ1dseVg3MjZmRWxnN0hBYnhZaHU1VjRmUmY4S0NRdG9RR096cFhNclZaODlsbVdTWDhOdGRZWFh5SUhCSGtkOFNwZ3JVVW8weGxfMzlZZVVtYzhYZ3gxU3ZZZ0lzM19WZVEydjBrWGpfcXcxT3BLdE5iMnluMmhjSjJHTks4WGZPb0d6eWdMeko?oc=5) · The Business Journals
- 2024-09-05 [Minnesota’s Highland Bank reopens branches after tech woes shut its doors - startribune.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxOZGJJWTN5MW5QczJ1MW1sV1NBalpVS01BUjMxTVplSmcwUHg2T2dudDdFa0FoajhkN0VBXzFmemM4dmNGbEREVDlxaG8xb1Q1S3JZUTVnM01naEtQeWFqM2dFcUVtWXhjOXdFaHJ5YVgzVVBoTEdCRTBEUHpMX004VC1VX1N0SlpkVDg0ZkhNcEZQVGhtY1Q0emdkUXFxNHBkOTZaZQ?oc=5) · startribune.com
- 2019-11-01 [Highland Bank - Twin Cities Business](https://news.google.com/rss/articles/CBMiUkFVX3lxTFBMS2JoVl84QjQ5WVZWcF83VHNLRlAzckpDN1Rnb1BYUHBJb1lNUGg4ZzhXcUUxaGE3azNoNk85OTMwc0g4a1dEV3Yzb2RYNHBwckE?oc=5) · Twin Cities Business
- 2024-09-19 [Three-week outage of some electronic systems at Highland Bank continues to disrupt - startribune.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQZzNaQ3lFRkdNUFRibnRkZmVSSTg5dEQ5MmRnYnIzdmdxTHgza2tlYzlRR3huUnM3TEhLWFhEUGdpVjBIX2ZVSk1jaVJvbExjSWhzMm1yMmhfT05mVkswcVJBTldxMFFGaTl1UzRNWWZnR0prdDlkUmNMalBxNG5Cbk83UXhRTHZTWkJGbA?oc=5) · startribune.com
- 2025-07-02 [Highland Bank names Andrew Dahlen president, succeeding retiring Troy Rosenbrook - The Business Journals](https://news.google.com/rss/articles/CBMimAFBVV95cUxOZ3pWRHlnbFI0OHlmUlRaMVJudGhTU2tnTDZraTRTMGNsVGVmN1Z6VENoM1dMMnhMVnJrZ1hEaF9vVWRvcXlkby1vNDdBNnZxVFFsNEtiV1BMN3pQYmFIUkZ4WnZUVkVZRDJBX0k3NGxNbVg3dkxVZXdiTzhFdGFFV0p2NzBCNGxzWWI2SXNHNEdPYTJBbk53Zw?oc=5) · The Business Journals
- 2024-09-27 [Two small central Minnesota banks merge, increase lending limit to $6.2M - startribune.com](https://news.google.com/rss/articles/CBMiugFBVV95cUxOa3ZlZDMwenljTkx2bzVZUEI0b0w5T09xcTJNUlZvcTNRSFdxb3VfUjU0dTRSc0pCUjZYZ3BoN0ZMR19lUFlGTzVSaURKTzdSNUhlYUpEWWJDNTFIb1VLeGl3d0ZLaVJfTmJFdzNIX3FNOUNMc0VZRUFnRkVrOWo1bHBYXzUtTW5MOE5NUlB2U1RaY1ZENmZMZnBqY2E3VldNREtoY3R2MkhNUm9mNW9uMGpnRG16ZWVRUEE?oc=5) · startribune.com
- 2025-07-02 [An entrepreneur's journey: From selling eggs in Nigeria to a growing assisted living business in Brooklyn Park - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxQVzlkSDVTOVA5YmdwLW81Z3VkWmI1Y0R5dE90MTI2UExOUWEyTmpoc1h3T244LUI4NFlfb0NFRFRQc2stVjJQQlJUNHY5VW9ndWh2SmZLZlhaODJScTJaMGxNenQxMGpoaE4zU20tSERkZWNSM2YzcDQ2dVl5ampiS1JhMy1FWDFBc0d3bWx5cW9acDExR2ZHSncyeUluT1VXNmc?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16111 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/47.json (key "16111", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide