Highlands Community Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 1.88 percentage points in Q2 2026, from 78.00% to 79.88%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Highlands Community Bank is 3rd from the bottom among 56 Virginia banks, 49.25% (Q2 2026). Highlands Community Bank reported 49.25% on loan-to-deposit ratio for Q2 2026, 31.59 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $82.4M |
| Net loans and leases | $81.3M |
| Loans held for sale | $0 |
| Loans to total assets | 43.61% |
| Loan-to-deposit ratio | 49.25% |
| Net loans to equity capital | 3.98% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.00% |
| Multifamily (5+ residential) | 0.58% |
| Commercial and industrial | 15.02% |
| Consumer | 12.33% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.85% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 79.88% |
| Construction concentration (Tier 1 capital + allowance) | 30.63% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.47% |
| Interest income on loans | $1.4M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $107.1M | $184.4M | 22.20% | 12.41% | 23.06% |
| Q4 2023 | $107.4M | $181.8M | 21.62% | 13.07% | 23.44% |
| Q1 2024 | $112.1M | $181.5M | 21.69% | 12.62% | 24.23% |
| Q2 2024 | $109.5M | $183.3M | 21.75% | 12.68% | 23.10% |
| Q3 2024 | $104.9M | $180.6M | 22.98% | 12.58% | 21.87% |
| Q4 2024 | $101.9M | $177.0M | 24.33% | 12.48% | 19.83% |
| Q1 2025 | $99.3M | $172.2M | 23.26% | 11.15% | 17.81% |
| Q2 2025 | $95.1M | $171.1M | 22.60% | 12.60% | 16.30% |
| Q3 2025 | $90.1M | $168.0M | 22.54% | 13.74% | 14.43% |
| Q4 2025 | $87.2M | $165.2M | 22.69% | 15.17% | 13.03% |
| Q1 2026 | $84.3M | $168.2M | 22.92% | 16.27% | 12.14% |
| Q2 2026 | $82.4M | $167.3M | 24.00% | 15.02% | 12.33% |
Highlands Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Highlands Community Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Highlands Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57420) · FFIEC NIC profile (RSSD 3125315)