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Highlands Community Bank Locations & Branches Covington, Virginia
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Highlands Community Bank operates 3 branches from its headquarters in Covington, VA, .
Highlands Community Bank branch network
All 3 branches are in VIRGINIA, across 3 cities. Its largest office by deposits is its main office in Covington, VA, with $123.7M (73.9% of its branch deposits). It had the same number of branches on June 30, 2025.
Highlands Community Bank at a glance
It reports no CET1 ratio; its Tier 1 leverage ratio was 12.63% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Total assets, Q2 2026
- $188.9M
- Tier 1 leverage ratio, Q2 2026
- 12.63%
- Deposit insurance
- FDIC
- Regulator
- Federal Reserve
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 2002
Full financial profile · Is Highlands Community Bank safe? · Highlands Community Bank call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Covington, VA (1 branch) | 1 of 4 | 33.2% | $123.7M |
| State: VA (3 branches) | 77 of 102 | <0.1% | $167.3M |
Ranked by total assets among banks headquartered in the state: Largest banks in Virginia.
Share by county and metro area
Highlands Community Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Covington City, VA (1 branch) | 1 of 4 | 33.2% | $123.7M | $371.9M |
| Alleghany, VA (1 branch) | 2 of 2 | 37.8% | $33.8M | $89.6M |
| Bath, VA (1 branch) | 3 of 3 | 10.4% | $9.8M | $94.2M |
Metro area share: not on file. None of this bank's branches sit in a metropolitan or micropolitan area in the FDIC branch directory.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Highlands Community Bank (main office) | Covington, VA | 24426 | $123.7M |
| Highlands Community Bank Branch | Clifton Forge, VA | 24422 | $33.8M |
| Hot Springs Branch | Hot Springs, VA | 24445 | $9.8M |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 57420) · FFIEC NIC profile (RSSD 3125315)