HIGHLANDS COMMUNITY BANK is asn small FDIC-insured commercial bank headquartered in COVINGTON, VA, established in Sept. 16, 2002, midnight. As of 2025-12-31, the bank reported total assets of $190M and total deposits of $165M. Profitability stands at 0.36% ROA and 3.37% ROE, with a net interest margin of 3.31%. The bank's CET1 capital ratio is 10.78%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.80% and a Texas Ratio of 7.24%. FDIC Certificate #57420.
Assets
$190M
Deposits
$165M
Loans
$87M
Equity
$20M
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