HIGHLAND BANCSHARES INC is the parent banking group. HIGHLAND BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Bank Holding Company

HIGHLAND BANCSHARES INC

Legal name: HIGHLAND BANCSHARES, INC.

1 active bank · 1 merged/absorbed · $770M combined assets

RSSD ID: 1124659 (FFIEC NIC)

Combined Assets

$770M

CRA Rating Summary

Satisfactory1charter

Across all 18 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankHIGHLAND BANKSAINT PAUL, MNSatisfactory$770MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$770M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$671M

Net Income

$568K

ROA (avg)

0.3%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2023Lender rankings →

Aggregated HMDA data across all active charters for 2023.

Applications

519

Origination Rate

69.94%

Denial Rate

17.73%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
HIGHLAND BANK	SAINT PAUL, MN	FDIC	$770M	100.0%	Satisfactory	Apr 2025

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.