Highlands Bank, INC. — Financials & Key Ratios
Data as of · sourced from FFIEC call reports. How we update
Highlands Bank, Inc. is an FDIC-insured commercial bank. The Q1 2026 balance sheet stands at $397M in assets, including $303M in loans. Under the simplified Community Bank Leverage Ratio framework, leverage of 11.07% exceeds the 9% CBLR threshold. The bank posts a strong 1.25% ROA and 11.59% ROE. Credit metrics are in line with industry norms — 1.04% NPL ratio. It operates 7 branches, primarily in West Virginia.
Headquarters Profile
- Address
- 3 N Main St , PETERSBURG , WV 26847
- County
- Grant
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 5
- Established
- August 6, 1902
- Branches
- 7 domestic
- Employees (FTE)
- 79
- FDIC Cert
- 11953
- Fed RSSD
- 718538
- Website
- http://www.grantcountybank.com →
- Parent Holding Company
- HIGHLANDS BANKSHARES, INC. (RSSD 1131750)
Profitability
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Highlands Bank, INC. rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2026-03-31 | — | 1.25% | 1.04% | 8.55% | 4.36% |
| 2025-12-31 | — | 0.91% | 1.14% | 8.78% | 4.29% |
| 2025-09-30 | — | 1.00% | 1.28% | 11.24% | 4.29% |
| 2025-06-30 | — | 0.99% | 1.15% | 11.35% | 4.16% |
| 2025-03-31 | — | 1.00% | 1.49% | 12.16% | 4.00% |
| 2024-12-31 | — | 1.24% | 1.48% | 12.46% | 4.03% |
| 2024-09-30 | — | 0.88% | 1.30% | 10.68% | 3.95% |
| 2024-06-30 | — | 0.91% | 1.42% | 12.36% | 3.96% |
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location. View all 7 branch locations →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Grant County Bank | Petersburg , WV | 26847 | $149.5M |
| New CreekKeyser Branch | Keyser , WV | 26726 | $47.4M |
| The National Bank Of Davis Branch | Davis , WV | 26260 | $37.0M |
| South Branch Square Branch | Moorefield , WV | 26836 | $28.9M |
| The Canaan Valley Branch | Davis , WV | 26260 | $25.4M |
| Riverton Branch | Riverton , WV | 26814 | $18.4M |
| The Stockmans Bank Of Harman Branch | Harman , WV | 26270 | $18.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
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Frequently asked about Highlands Bank, INC.
What are Highlands Bank, INC.'s total assets?
As of the Q1 2026 filing, Highlands Bank, INC. reported total assets of $396.9 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Highlands Bank, INC. headquartered?
Highlands Bank, INC. is headquartered in PETERSBURG, WV, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Highlands Bank, INC. founded?
Highlands Bank, INC. was established in 1902, per the FDIC institution directory.
Is Highlands Bank, INC. FDIC-insured?
Yes. Highlands Bank, INC. is an FDIC-insured commercial bank (FDIC Certificate #11953). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Highlands Bank, INC.?
Highlands Bank, INC.'s primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Highlands Bank, INC. operate?
Highlands Bank, INC. operates 7 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Highlands Bank, INC.'s Texas Ratio?
Highlands Bank, INC.'s Texas Ratio is 8.55% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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