Bank Comparison
The Gifford State Bank vs Highlands Community Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
16 · 4
winning metrics across 20 comparable rows
Capital adequacy
| Metric | The Gifford State Bank | Highlands Community Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 13.52% | 12.35% |
| Equity / Assets | 13.73% | 10.70% |
Profitability
| Metric | The Gifford State Bank | Highlands Community Bank |
|---|---|---|
| Return on Assets (ROA) | 3.05% | 0.44% |
| Return on Equity (ROE) | 23.02% | 4.18% |
| Net Interest Margin (NIM) | 5.19% | 3.21% |
| Yield on Earning Assets | 5.91% | 4.57% |
| Cost of Funds | 0.80% | 1.48% |
Asset quality
| Metric | The Gifford State Bank | Highlands Community Bank |
|---|---|---|
| Texas Ratio | 2.30% | 8.62% |
| Non-Performing Loan Ratio | 0.20% | 2.20% |
| Non-Performing Asset Ratio | 0.15% | 0.98% |
| Net Charge-Off Ratio | 0.13% | -0.04% |
| ACL / Loans | 1.44% | 1.48% |
Balance sheet
| Metric | The Gifford State Bank | Highlands Community Bank |
|---|---|---|
| Total Assets | $189,640K | $189,654K |
| Total Deposits | $161,818K | $168,152K |
| Total Loans | $141,154K | $84,270K |
| Total Equity | $26,034K | $20,287K |
| Net Income (quarter) | $1,473K | $213 |
Liquidity & funding
| Metric | The Gifford State Bank | Highlands Community Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 87.23% | 50.12% |
| Core Deposit Ratio | 95.45% | 81.49% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | The Gifford State Bank | Highlands Community Bank |
|---|---|---|
| Headquarters City | Gifford | COVINGTON |
| Headquarters State | IL | VA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 4 | 3 |
| Employees (FTE) | 35 | 33 |
| Established | Jan. 1, 1885, midnight | Sept. 16, 2002, 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 . 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.
View full The Gifford State Bank profile | View full Highlands Community Bank profile | Browse all bank comparisons