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This institution is no longer active

Operations ceased on October 30, 1998. CRA examination history below reflects the period it was active.

HIGHLAND BANK

BIRMINGHAM, AL · Supervised by FDIC

Est. 1988FDIC #27,403RSSD: FDIC-27403
Part ofALABAMA BCORP→ View all charters
Satisfactory Same

Current rating · Exam: October 1998

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.09%

Institution Profile

FDIC BankFind

Address

2211 Highland Avenue South, BIRMINGHAM, AL

County

Jefferson County

Established

December 22, 1988

Total Assets

$205M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

October 1, 1998

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 27 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q3 1998Call Report / FDIC

Total Assets

$205M

Total Deposits

$185M

Net Loans

$140M

Net Income

$135K

ROA

0.09%

ROE

1.25%

Risk-Based Capital

9.89%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate16.20%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202446368.9%16.20%
202351969.94%17.73%
20194290.48%4.76%
20186479.69%6.25%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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