Highland Bank

Overview / Commentary

763-497-2131

701 Central Avenue East
Saint Michael, MN 55376

Highland Bank is headquartered in SAINT MICHAEL and is the 30^th largest bank in the state of Minnesota. It is also the 1,338^th largest bank in the nation. It was established in 1943 and as of June of 2023, it had grown to 99 employees at 5 locations. Highland Bank's money market rates are 6X the national average, and it has a B health rating.

Highland Bank (MN) 40-Month CD Special Is Still Competitive - 11/21/2023

Highland Bank (Minneapolis/St. Paul metro area) has added 10 bps to its near rate-leading 40-month CD Special. $2.5k minimum deposit, with at least 50% of new money.

Highland Bank (MN) Has Rate-Leading 40-Month CD Special - 6/29/2023

Highland Bank (Minneapolis/St. Paul metro area) has added a rate-leading 40-month CD Special. $2.5k minimum deposit, with at least 50% of new money.

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Health

Data as of Q2 2023

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Health Grade Components

Overall
FDIC Certificate #	16111
Year Established	1943
Employees	99
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.68%
Return on Equity - YTD	12.67%
Annual Interest Income	$15.7MM

Assets and Liabilities
Assets	Q2 2023vs Q2 2022	$686.3MM$623.8MM
Loans	Q2 2023vs Q2 2022	$446.6MM$378.9MM
Deposits	Q2 2023vs Q2 2022	$542.1MM$529.2MM
Equity Capital	Q2 2023vs Q2 2022	$36.5MM$47.9MM
Loan Loss Allowance	Q2 2023vs Q2 2022	$7.4MM$6.7MM
Unbacked Noncurrent Loans	Q2 2023vs Q2 2022	$14.00K$75.00K
Real Estate Owned	Q2 2023vs Q2 2022	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Highland Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.26%^*	-	$5k	Kasasa Saver
OTHER TIERS: 0.20% → $50k+
0.45%	-	-	Statement Savings Account

Highland Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
2.73%^*	$5m^*	-	Premier Money Market Savings Account
OTHER TIERS: 1.46% → Up to $10k \| 1.66% → $10k - $25k \| 1.71% → $25k - $50k \| 1.87% → $50k - $100k \| 2.17% → $100k - $250k \| 2.43% → $250k - $500k \| 2.63% → $1m - $2.5m \| 2.68% → $2.5m - $5m
1.56%^*	$1k^*	-	Money Market Savings Account
OTHER TIERS: 1.31% → Up to $1k

Highland Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.54%^*	-	$10k	Kasasa Cash Checking
OTHER TIERS: 0.35% → $10k+
0.40%	$1k	-	Interest Checking Account

Highland Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
5.25%	$2.5k	-	17 Month CD Special - 50% New Money
5.25%	$2.5k	-	Business 17 Month CD Special - 50% New Money
5.25%	$2.5k	-	9 Month CD Special- 50% New Money
5.25%	$2.5k	-	Business 9 Month CD Special - 50% New Money
5.25%	$2.5k	-	25 Month CD Special - 50% New Money
5.25%	$2.5k	-	Business 25 Month CD Special - 50% New Money
5.25%	$2.5k	-	40 Month CD Special - 50% New Money
5.25%	$2.5k	-	Business 40 Month CD Special - 50% New Money
4.90%	$2.5k	-	17 Month CD Special
4.90%	$2.5k	-	Business 17 Month CD Special
4.90%	$2.5k	-	9 Month CD Special
4.90%	$2.5k	-	Business 9 Month CD Special
4.90%	$2.5k	-	25 Month CD Special
4.90%	$2.5k	-	Business 25 Month CD Special
4.90%	$2.5k	-	40 Month CD Special
4.90%	$2.5k	-	Business 40 Month CD Special
1.55%	$1k	-	24 Month CD
1.55%	$1k	-	36 Month CD
1.55%	$1k	-	Business 24 Month CD
1.55%	$1k	-	Business 36 Month CD
1.50%	$1k	-	12 Month CD
1.50%	$1k	-	18 Month CD
1.50%	$1k	-	Business 12 Month CD
1.50%	$1k	-	Business 18 Month CD
1.40%	$1k	-	60 Month CD
1.40%	$1k	-	Business 60 Month CD
1.35%	$1k	-	182 Day CD
1.35%	$1k	-	48 Month CD
1.35%	$1k	-	Business 182 Day CD
1.35%	$1k	-	Business 48 Month CD
0.75%	$1k	-	91 Day CD
0.75%	$1k	-	Business 91 Day CD

Highland Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
5.25%	$2.5k	-	9 Month IRA Special- 50% New Money
5.25%	$2.5k	-	17 Month IRA Special - 50% New Money
5.25%	$2.5k	-	25 Month IRA Special - 50% New Money
5.25%	$2.5k	-	40 Month IRA Special - 50% New Money
5.25%	$2.5k	-	Business 9 Month IRA Special- 50% New Money
5.25%	$2.5k	-	Business 17 Month IRA Special - 50% New Money
5.25%	$2.5k	-	Business 25 Month IRA Special - 50% New Money
5.25%	$2.5k	-	Business 40 Month IRA Special - 50% New Money
4.90%	$2.5k	-	9 Month IRA Special
4.90%	$2.5k	-	17 Month IRA Special
4.90%	$2.5k	-	25 Month IRA Special
4.90%	$2.5k	-	40 Month IRA Special
4.90%	$2.5k	-	Business 9 Month IRA Special
4.90%	$2.5k	-	Business 17 Month IRA Special
4.90%	$2.5k	-	Business 25 Month IRA Special
4.90%	$2.5k	-	Business 40 Month IRA Special
1.55%	$500	-	24 Month IRA
1.55%	$500	-	36 Month IRA
1.55%	$500	-	Business 24 Month IRA
1.55%	$500	-	Business 36 Month IRA
1.50%	$500	-	12 Month IRA
1.50%	$500	-	18 Month IRA
1.50%	$500	-	Business 12 Month IRA
1.50%	$500	-	Business 18 Month IRA
1.40%	$500	-	60 Month IRA
1.40%	$500	-	Business 60 Month IRA
1.35%	$500	-	182 Day IRA
1.35%	$500	-	48 Month IRA
1.35%	$500	-	Business 182 Day IRA
1.35%	$500	-	Business 48 Month IRA
0.75%	$500	-	91 Day IRA
0.75%	$500	-	Business 91 Day IRA

Locations

Highland Bank Locations
Maple Grove Branch	13250 Grove Drive	Maple Grove, MN 55369
Ridgedale State Bank Branch	1700 Plymouth Road	Minnetonka, MN 55305
St Paul Branch	2100 Ford Parkway	Saint Paul, MN 55116
Bloomington Branch	5270 West 84th Street	Bloomington, MN 55437
Highland Bank	701 Central Ave E	Saint Michael, MN 55376
Blaine Branch Office	11800 Aberdeen Street NE Suite 120	Blaine, MN 55449
Ely Branch Office	601 East Sheridan Street	Ely, MN 55731
Woodbury Branch Office	2230 Eagle Creek Lane Suite A	Woodbury, MN 55129

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