Bank call report · Petersburg, WV
Highlands Bank, Inc. Call Report
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Highlands Bank, Inc. filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 299 reported line items, schedule by schedule (393 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 718538 |
| FDIC certificate number | 11953 |
| Total assets | $407.1M |
Official Q2 2026 call report PDF (FFIEC) →
Highlands Bank, Inc. call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (26 items)
About Schedule RC · Highlands Bank, Inc. balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $407.1M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $407.1M |
| Total Liabilities and Minority Interest | RCON2948 | $363.9M |
| Total Deposits | RCON2200 | $356.8M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $309.7M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $306.1M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $269.7M |
| Deposits: Noninterest-bearing | RCON6631 | $87.1M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $48.3M |
| Total Equity Capital | RCON3210 | $43.2M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $43.2M |
| Undivided Profits and Capital Reserves | RCON3632 | $37.3M |
| Federal Funds Sold | RCONB987 | $21.7M |
| Other Assets | RCON2160 | $14.9M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $8.5M |
| Surplus | RCON3839 | $7.4M |
| Other Borrowed Money | RCON3190 | $4.5M |
| Allowance for Loan and Lease Losses | RCON3123 | $3.6M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $3.6M |
| Other Liabilities, Total | RCON2930 | $2.6M |
| Interest-bearing Balances | RCON0071 | $2.3M |
| Accumulated Other Comprehensive Income | RCONB530 | -$2.0M |
| Intangible Assets | RCON2143 | $1.5M |
| Goodwill | RCON3163 | $1.5M |
| Common Stock | RCON3230 | $500K |
| Other Real Estate Owned | RCON2150 | $249K |
Schedule RI: Income Statement (41 items)
About Schedule RI · Highlands Bank, Inc. income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $11.5M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $10.4M |
| Net Interest Income | RIAD4074 | $8.2M |
| Total Noninterest Expense | RIAD4093 | $5.9M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $5.5M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $3.3M |
| Total Interest Expense | RIAD4073 | $3.3M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $3.2M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $3.2M |
| Salaries and Employee Benefits | RIAD4135 | $3.0M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $2.5M |
| Net Income (Loss) | RIAD4340 | $2.5M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $2.5M |
| Other Noninterest Expense | RIAD4092 | $2.3M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $1.2M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $1.1M |
| Total Noninterest Income | RIAD4079 | $1.1M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $671K |
| Applicable Income Taxes | RIAD4302 | $663K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $658K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $658K |
| Other Noninterest Income | RIADB497 | $641K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $401K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $372K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $322K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $317K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $309K |
| Interest on Other Securities | RIAD4060 | $309K |
| Other Interest Expense | RIADGW44 | $298K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $255K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $223K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $223K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $97K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $94K |
| Provision for Loan and Lease Losses | RIAD4230 | $76K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $55K |
| Other Interest Income | RIAD4518 | $42K |
| Net Gains (Losses) on Other Real Estate Owned | RIAD5415 | $29K |
| Noninterest income: Income from insurance activities | RIADHT74 | $8K |
| Amortization Expense and Impairment Losses Intangible Assets | RIADC232 | $2K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 81 |
Schedule RC-B: Securities (29 items)
About Schedule RC-B · Highlands Bank, Inc. securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $3.4M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $2.8M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $50.6M |
| Pledged Securities | RCON0416 | $44.6M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $12.9M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $12.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $12.4M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $11.3M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $11.0M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $11.0M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $10.2M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $9.7M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $8.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $7.8M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $6.5M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $5.9M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $5.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $5.4M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $5.4M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK144 | $3.9M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK145 | $3.9M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $2.7M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $2.0M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $2.0M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Amortized Cost | RCONHT60 | $518K |
| Structured financial products guaranteed by U.S. Government agencies or sponsored agencies included in Schedule HC-B, item 5.b -- Available-for-sale: Amortized Cost | RCONPV00 | $518K |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Fair Value | RCONHT61 | $485K |
| Guaranteed by U.S. Government Agencies or Sponsored Agencies Included in Schedule Rc-b, Item 5.B - Available-for-sale, Fair Value | RCONPV01 | $485K |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $136K |
Schedule RC-C, Part I: Loans and Leases (32 items)
About Schedule RC-C, Part I · Highlands Bank, Inc. loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Pledged Loans and Leases | RCONG378 | $309.7M |
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $309.7M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $111.3M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $83.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $57.8M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $51.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $46.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $45.1M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $29.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $29.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $28.2M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $24.1M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $21.8M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $20.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $19.4M |
| Commercial and Industrial Loans | RCON1766 | $18.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $17.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $12.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $12.1M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $9.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $9.2M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $8.8M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $7.9M |
| Real Estate Loans Secured by Farmland | RCON1420 | $7.7M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $6.6M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $4.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $4.9M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $4.8M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $2.4M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $1.1M |
| Loans Secured by 1-4 Family Residential Properties in Domestic Offices in Process of Foreclosure (Included in Rc-c, Part I, Items 1.C.(1), 1.C.(2)(A), and 1.C.(2)(B) | RCONF577 | $141K |
| Other Loans | RCONJ464 | $62K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (22 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $43.5M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $10.4M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $6.6M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $3.7M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $3.2M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $3.2M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $1.5M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $1.3M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $799K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $312K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $292K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 233 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 131 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 98 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 87 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 48 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 41 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 29 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 13 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 12 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 8 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 3 |
Schedule RC-E: Deposit Liabilities (28 items)
About Schedule RC-E · Highlands Bank, Inc. deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $218.4M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $198.9M |
| Total Transaction Accounts | RCON2215 | $138.4M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $111.0M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $88.9M |
| Total Demand Deposits (See Note Below) | RCON2210 | $87.1M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $46.4M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $43.0M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $40.0M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $35.1M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $28.9M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $27.4M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $19.5M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $17.6M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $17.4M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $15.8M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $12.8M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $11.3M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $8.8M |
| Total reciprocal deposits | RCONJH83 | $7.1M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $6.0M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $5.1M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $4.1M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $4.0M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $989K |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $989K |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK15 | $672K |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $21K |
Schedule RC-F: Other Assets (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $7.9M |
| Other Assets | RCON2168 | $2.6M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $1.8M |
| Accrued Interest Receivable | RCONB556 | $1.5M |
| First Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3549 | $1.3M |
| Net Deferred Tax Assets | RCON2148 | $1.1M |
| Prepaid Expenses | RCON2166 | $973K |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $950K |
| Deferred Compensation Liabilities | RCONC011 | $935K |
| Other Expenses Accrued and Unpaid | RCON3646 | $913K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $400K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $326K |
Schedule RC-K: Quarterly Averages (17 items)
About Schedule RC-K · Highlands Bank, Inc. quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $399.0M |
| Quarterly Average of Total Loans | RCON3360 | $308.8M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $167.8M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $130.5M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $101.5M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $67.6M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $46.7M |
| All Other Securities | RCONB560 | $22.6M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $19.6M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $18.7M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $16.7M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $14.2M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $13.5M |
| Mortgage-backed Securities | RCONB559 | $13.2M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $5.2M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $2.6M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $1.1M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (9 items)
About Schedule RC-L · Highlands Bank, Inc. derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $29.3M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $9.4M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $8.0M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $6.1M |
| All Other Off-balance Sheet Liabilities | RCON3430 | $5.8M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $4.6M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $3.6M |
| Performance Standby Letters of Credit | RCON3821 | $2.1M |
| Other unused commitments: Loans to nondepository financial institutions | RCONPV11 | $20K |
Schedule RC-M: Memoranda (7 items)
About Schedule RC-M · Highlands Bank, Inc. memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $3.3M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $3.3M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF056 | $1.2M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $970K |
| All Other Real Estate Owned: 1-4 Family Residential Properties in Domestic Offices | RCON5510 | $227K |
| All Other Real Estate Owned: Construction and Land Development in Domestic Offices | RCON5508 | $22K |
| All other intangible assets | RCONJF76 | $4K |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (23 items)
About Schedule RC-N · Highlands Bank, Inc. past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $6.0M |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $2.7M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $2.6M |
| 1-4 Family Residential Construction Loans: Past Due 31 - 89 Days | RCONF172 | $1.6M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $1.3M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $879K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $751K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $492K |
| Additions to Nonaccrual Assets | RCONC410 | $330K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $187K |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $183K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Nonaccrual | RCON3495 | $169K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $156K |
| Other Construction Loans and All Land Development and Other Land Loans, Nonaccrual | RCONF177 | $143K |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $120K |
| All Other Loans - Past Due 30 Through 89 Days and Still Accruing | RCON5459 | $62K |
| 1-4 Family Residential Construction Loans, Past Due 90 or More Days and Still Accruing. | RCONF174 | $49K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $39K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Nonaccrual | RCON5400 | $34K |
| Commercial and Industrial Loans - Past Due 90 Days or More and Still Accruing | RCON1607 | $32K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 90 Days or More and Still Accruing | RCONK214 | $31K |
| Other Construction Loans and All Land Development and Other Land Loans, Past Due 31 - 89 Days | RCONF173 | $25K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 90 Days or More and Still Accruing | RCONK217 | $8K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Highlands Bank, Inc. other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $399.0M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $357.2M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $225.2M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $115.9M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $42.8M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $13.1M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $3.0M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 16,220 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 667 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 206 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 9 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (23 items)
About Schedule RC-R, Part I · Highlands Bank, Inc. regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCOA2170 | $407.1M |
| Average total consolidated assets | RCOAKW03 | $399.0M |
| Average Total Assets (Net of Deductions) | RCOAA224 | $397.2M |
| Total off-balance sheet exposures (sum of items 34.a through 34.c) Report as a dollar amount in Column A and as a percentage of total assets (25% limit) in Column B | RCOAKX82 | $63.0M |
| Off-balance sheet exposures: Unused portion of conditionally cancellable commitments | RCOAKX79 | $57.3M |
| Common Equity Tier 1 Capital | RCOAP859 | $43.7M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $43.7M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $43.7M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $43.2M |
| Retained Earnings | RCOAKW00 | $37.3M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $7.9M |
| Off-balance sheet exposures: Other off-balance sheet exposures | RCOAKX81 | $5.6M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$2.0M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$1.8M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $1.5M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $1.5M |
| Less: Amounts Recorded in AOCI Attributed to Defined Benefit Postretirement Plans Resulting from the Initial and Subsequent Application of the Relevant GAAP Standards That Pertain to Such Plans (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP847 | -$261K |
| Less:other Deductions from Assets for Leverage Capital Purposes | RCOAB596 | $261K |
| Intangible Assets (Other Than Goodwill and Mortgage Servicing Assets (Msas)), Net of Associated Dtls | RCOAP842 | $4K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Do you qualify for and opt-in to CBLR? | RCOALE74 | 1 |
| Total off-balance sheet exposures (sum of items 15a through 15.c) | RCOAKX83 | 0.1546 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.11 |
Schedule RI-A: Changes in Bank Equity Capital (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $43.2M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $42.0M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $42.0M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $922K |
| Sale, Conversion, Acquisition, or Retirement of Capital Stock, Net (Excluding Treasury Stock Transactions) | RIADB509 | -$316K |
| Other Comprehensive Income | RIADB511 | -$93K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (8 items)
About Schedule RI-B, Part I · Highlands Bank, Inc. charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $86K |
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $84K |
| Charge-offs on Automobile Loans | RIADK129 | $70K |
| Recoveries on Automobile Loans | RIADK133 | $40K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties: Recoveries | RIADC896 | $23K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens | RIADC217 | $19K |
| Charge-offs on All Other Loans | RIAD4644 | $14K |
| Recoveries on All Other Loans | RIAD4628 | $4K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)
About Schedule RI-B, Part II · Highlands Bank, Inc. changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $3.6M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $3.5M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $84K |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | $18K |
Highlands Bank, Inc. call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Highlands Bank, Inc. call report?
The Highlands Bank, Inc. call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Highlands Bank, Inc. file?
Highlands Bank, Inc. files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Highlands Bank, Inc. call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Highlands Bank, Inc. has Federal Reserve RSSD ID 718538 and FDIC certificate number 11953. Either one finds its filings on the FFIEC Central Data Repository.
How often does Highlands Bank, Inc. file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Highlands Bank, Inc. financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 11953) · FFIEC NIC profile (RSSD 718538)