Highlands Community Bank
Operating from Covington, VA, Highlands Community Bank serves its local market as an FDIC-insured commercial bank, during the Gramm-Leach-Bliley deregulation period. Highlands Community's Q1 2026 balance sheet shows $190M in assets funded primarily by $168M in customer deposits. Returns are subdued: 0.44% ROA and 4.18% ROE. Under the simplified Community Bank Leverage Ratio framework, leverage of 12.35% exceeds the 9% CBLR threshold. Asset quality merits closer attention with NPLs at 2.20%. 3 branches make up the footprint.
Headquarters Profile
- Address
- 307 Thacker Ave, COVINGTON, VA 24426
- County
- Covington City
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- FED
- Fed District
- 5
- Established
- September 16, 2002
- Branches
- 3 domestic
- Employees (FTE)
- 33
- FDIC Cert
- 57420
- Fed RSSD
- 3125315
- Website
- www.hc.bank →
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Highlands Community Bank 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 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about Highlands Community Bank
What are Highlands Community Bank's total assets?
As of the Q1 2026 filing, Highlands Community Bank reported total assets of $189.7 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Highlands Community Bank headquartered?
Highlands Community Bank is headquartered in COVINGTON, VA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Highlands Community Bank founded?
Highlands Community Bank was established in 2002, per the FDIC institution directory.
Is Highlands Community Bank FDIC-insured?
Yes. Highlands Community Bank is an FDIC-insured commercial bank (FDIC Certificate #57420). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Highlands Community Bank?
Highlands Community Bank's primary federal regulator is the FED. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Highlands Community Bank operate?
Highlands Community Bank operates 3 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Highlands Community Bank's Texas Ratio?
Highlands Community Bank's Texas Ratio is 8.62% — 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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