Community Reinvestment Act

The Community Reinvestment Act (CRA) of 1977 encourages banks to help meet the credit needs of the communities in which they do business, including low- and moderate-income neighborhoods.
Highland Bank is a proud supporter of its communities, dedicated to improving the financial, social and professional prosperity of those within. We have provided our CRA file below, in accordance with the Community Reinvestment Act, to provide a transparent look at our efforts to meet the credit needs of all customers.

The information below is current as of April 1 of each year. Please contact us at 877-457-1305 for more information related to our public file.

CRA Public File

CRA Public Disclosure

• CRA Public Disclosure

List of Services

• Branch & Services Information
• Service Fee Schedule
• Safe Deposit Fee Schedule

Assessment Area Maps

• CRA Assessment Area
  • FFIEC Census Tract Data
    • Minneapolis Area
    • Duluth Area

Loan to Deposit Ratios

• Annual Loan to Deposit Ratios
  • 2022
  • 2023
  • 2024

Safe Act

• • Safe Act MLO

HMDA Disclosures

• The Highland Bank CRA Disclosure Statements may be obtained on the Federal Financial Institution Examination Council’s website at www.consumerfinance.gov/hmda

Public Comments

• Public Comments
  • Highland Bank has had no public comments as of April 1, 2024.