Compared with Tennessee
6 of 14
compared fees are above the median.
7 below, 1 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
92nd percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Tennessee median
of 14 compared; 7 below, 1 about the same
See the feesFee schedule read Oct 16, 2026
Call-report figures are for Highland Federal Savings and Loan Association at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,681 banks with under $300M in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Tennessee median | Published fees above the Tennessee median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Highland Federal Savings and Loan Association's published fee schedule; Bank Fee Index medians | Current schedule | Oct 16, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 6.0% of revenue, above the 2.1% median of 1,681 banks with under $300M in assets (92nd percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $49K in Q2 2026, 11% above the same quarter a year earlier ($44K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
6 of 14 compared published fees sit above the Tennessee median; 7 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Tennessee medians for fees published by banks and credit unions.
NSF / Returned Item
Overdraft (OD)
Non-Network ATM
Each amount links to the fee schedule it was read from. Medians for Tennessee, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 2.1% from Q3 2025 to Q2 2026, to $49K. Its share of revenue, 6.0%, is above the 2.1% median for banks with under $300M in assets.
$49K
Highland Federal Savings and Loan AssociationMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,681 banks with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Highland Federal Savings and Loan Association · $79M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 14 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Highland Federal Savings and Loan Association(this institution) | Crossville, TN | $79M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| American State Bank of Grygla | Grygla, MN | $82M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Anchor State Bank | Anchor, IL | $73M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bank of Ontario | Ontario, WI | $79M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens National Bank of Crosbyton | Crosbyton, TX | $78M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Conneaut Savings Bank | Conneaut, OH | $77M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Connect Community Bank | Raymond, WA | $73M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Farmers and Merchants Bank | Arnett, OK | $80M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Farmers State Bank of Trimont | Trimont, MN | $73M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Heritage Bank | Shenandoah, IA | $72M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First National Bank of South Padre Island | South Padre Island, TX | $78M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Five Rivers Bank | Paramus, NJ | $78M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Haskell National Bank | Haskell, TX | $73M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Homestead Savings Bank | Albion, MI | $72M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Independence State Bank | Independence, WI | $84M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| McClave State Bank | McClave, CO | $79M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Park Bank, National Association | Holmen, WI | $76M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Redemption Bank | Salt Lake City, UT | $78M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Sherwood Community Bank | Creighton, MO | $78M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| State Bank of Cold Spring | Cold Spring, MN | $82M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| The Atlanta National Bank | Atlanta, IL | $81M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The First National Bank of Blanchester | Blanchester, OH | $78M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| The Howard State Bank, Howard, Kansas | Howard, KS | $80M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The State Bank of Pearl City | Pearl City, IL | $73M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Tri-Valley Bank | Randolph, IA | $83M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Union State Bank | Uniontown, KS | $74M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 10 publish this fee(monthly maintenance)
15 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $9 among 10 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Highland Federal Savings and Loan Association does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Highland Federal Savings and Loan Association (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 62 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $49K | +$4K | +8.9% |
| Q1 2026 | $45K | −$1K | −2.2% |
| Q4 2025 | $46K | −$2K | −4.2% |
| Q3 2025 | $48K | +$4K | +9.1% |
| Q2 2025 | $44K | +$4K | +10.0% |
| Q1 2025 | $40K | −$3K | −7.0% |
| Q4 2024 | $43K | −$2K | −4.4% |
| Q3 2024 | $45K | $0 | 0.0% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, Highland Federal Savings and Loan Association left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Highland Federal Savings and Loan Association by share.
Amounts from Highland Federal Savings and Loan Association’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per hour
per hour
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account close fee (if closed within 6 months of opening) | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account (if no customer initiated activity for 24 months on checking and savings accounts) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| TN Escheat Fee | $25Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Balancing Assistance | $15Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research | $15Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper statement charge (monthly for checking, quarterly for savings) | $4Inside the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
Overdraft & NSF | |||
| Nonsufficient Funds (NSF & Overdraft Privilege) ACH (preauthorized withdrawal) | $28Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Nonsufficient Funds (NSF & Overdraft Privilege) ATM/Debit Card Withdrawal | $28Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Nonsufficient Funds (Overdraft Privilege) Over- the- Counter Withdrawal | $28Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Uncollected Funds (NSF & Overdraft Privilege) (Check paid from uncollected funds) | $28Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Bill Pay NSF Fees | $53Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| ATM Fees per transaction at foreign machines | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
| Debit Card Replacement | $20Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| International Wires | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Bill Pay Stop Payment Fee | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Checks | $0.10Below the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
Digital & Electronic | |||
| Bill Pay Expedited Electronic Payment | $6Inside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Bill Pay Expedited Overnight Check Payment | $25Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Return Check Charge | $10Inside the U.S. middle 50% ($8.88 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary Service (Free to customers) Non-Customer Fee | $5Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Garnishments and Levies | $25Below the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Oct 16, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Highland Federal Savings and Loan Association operates, and what regulators and customers have on file.
Branch footprint
2 offices in 1 state, $60.3M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| Outside a metro area | 2 | $60.3M |
Largest competitors nearby
Local market: Cumberland county, TN, where it holds the most deposits.
| 9 in its local market | Deposit share |
|---|---|
| One Bank of Tennessee | 26% |
| First National Bank of Tennessee | 21.9% |
| Regions Bank | 17.8% |
| FirstBank | 12.1% |
| SmartBank | 12% |
This bank holds 3.3% of the deposits there.
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
Enforcement actions
None on file with the OCC
The OCC has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the OCC, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.