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, and dedicated to improve the financial, social and professional prosperity of those within.


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

Loan to Deposit Ratios

Annual Loan to Deposit Ratios

HMDA Disclosures

The Highland Bank CRA Disclosure Statements may be obtained on the Federal Financial Institution Examination Council’s Web site at