HIGHLANDS COMMUNITY BANK

COVINGTON, VA | Small | Est. Sept. 16, 2002, midnight | FDIC #57420 | RSSD #3125315 | FED
Latest Report: 2025-12-31

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

Profitability

Return on Assets (ROA) 0.36%
Return on Equity (ROE) 3.37%
Net Interest Margin (NIM) 3.31%
Yield on Assets 4.68%
Cost of Funds 1.42%

Asset Quality

NPL Ratio 1.80%
Net Charge-Off Ratio 0.38%
Texas Ratio 7.24%
NPA Ratio 0.83%
ACL / Loans 1.42%

Capital & Liquidity

CET1 Ratio 10.78%
Tier 1 Capital 10.78%
Total Capital Ratio 11.32%
Leverage Ratio 12.46%
Loan-to-Deposit 52.80%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Excel tearsheet exports
Peer benchmarking
Risk & failure probability
Create Free Account

No credit card required