Bank Comparison
First Exchange Bank vs Highlands Bank, INC.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
3 · 16
winning metrics across 19 comparable rows
Capital adequacy
| Metric | First Exchange Bank | Highlands Bank, INC. |
|---|---|---|
| CET1 Ratio | 12.63% | — |
| Tier 1 Capital Ratio | 12.63% | — |
| Total Capital Ratio | 13.88% | — |
| Tier 1 Leverage Ratio | 9.05% | 11.07% |
| Equity / Assets | 7.91% | 10.75% |
Profitability
| Metric | First Exchange Bank | Highlands Bank, INC. |
|---|---|---|
| Return on Assets (ROA) | 0.89% | 1.25% |
| Return on Equity (ROE) | 11.22% | 11.59% |
| Net Interest Margin (NIM) | 3.65% | 4.36% |
| Yield on Earning Assets | 5.39% | 6.12% |
| Cost of Funds | 1.82% | 1.87% |
Asset quality
| Metric | First Exchange Bank | Highlands Bank, INC. |
|---|---|---|
| Texas Ratio | 48.32% | 8.55% |
| Non-Performing Loan Ratio | 5.68% | 1.04% |
| Non-Performing Asset Ratio | 4.30% | 0.88% |
| Net Charge-Off Ratio | 0.33% | -0.02% |
| ACL / Loans | 1.31% | 1.17% |
Balance sheet
| Metric | First Exchange Bank | Highlands Bank, INC. |
|---|---|---|
| Total Assets | $385,155K | $396,869K |
| Total Deposits | $350,902K | $343,134K |
| Total Loans | $291,571K | $303,116K |
| Total Equity | $30,462K | $42,679K |
| Net Income (quarter) | $851 | $1,227K |
Liquidity & funding
| Metric | First Exchange Bank | Highlands Bank, INC. |
|---|---|---|
| Loan-to-Deposit Ratio | 83.09% | 88.34% |
| Core Deposit Ratio | 87.36% | 94.94% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Exchange Bank | Highlands Bank, INC. |
|---|---|---|
| Headquarters City | WHITE HALL | PETERSBURG |
| Headquarters State | WV | WV |
| Asset Tier | 5: $100M-1B | 5: $100M-1B |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 7 | 7 |
| Employees (FTE) | 64 | 79 |
| Established | June 27, 1932, midnight | Aug. 6, 1902, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of March 31, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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