HIGHPOINT COMMUNITY BANK

HASTINGS, MI | Medium | Est. Jan. 1, 1886, midnight | FDIC #11407 | RSSD #750341 | FDIC
Latest Report: 2025-12-31

HIGHPOINT COMMUNITY BANK is amn medium FDIC-insured commercial bank headquartered in HASTINGS, MI, established in Jan. 1, 1886, midnight. As of 2025-12-31, the bank reported total assets of $590M and total deposits of $532M. Profitability stands at 0.76% ROA and 9.61% ROE, with a net interest margin of 3.56%. The bank's CET1 capital ratio is 15.19%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.05% and a Texas Ratio of 0.33%. FDIC Certificate #11407.

Assets

$590M

Deposits

$532M

Loans

$354M

Equity

$47M

Profitability

Return on Assets (ROA) 0.76%
Return on Equity (ROE) 9.61%
Net Interest Margin (NIM) 3.56%
Yield on Assets 5.05%
Cost of Funds 1.50%

Asset Quality

NPL Ratio 0.05%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.33%
NPA Ratio 0.03%
ACL / Loans 1.11%

Capital & Liquidity

CET1 Ratio 15.19%
Tier 1 Capital 15.19%
Total Capital Ratio 16.42%
Leverage Ratio 8.19%
Loan-to-Deposit 66.52%

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