Highlands Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Highlands Community Bank of Covington, VA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.33% | 1.34% | -1.01% | 9th bottom |
| ROAE | 3.05% | 13.32% | -10.27% | 9th bottom |
| Net Interest Margin | 3.32% | 3.93% | -0.61% | 21st bottom |
| Efficiency Ratio | 89.12% | 61.13% | +27.99% | 6th bottom |
| PPNR / Avg Assets | 0.38% | 1.68% | -1.30% | 6th bottom |
| Yield on Earning Assets | 4.64% | 5.67% | -1.03% | 12th bottom |
| Cost of Funds | 1.42% | 1.88% | -0.46% | 74th above |
| Net Interest Spread | 2.73% | 3.32% | -0.59% | 22nd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.51% | 0.94% | +1.57% | 9th bottom |
| NPA / Total Assets | 1.10% | 0.70% | +0.40% | 18th bottom |
| NCO / Avg Loans | 0.58% | 0.16% | +0.42% | 5th bottom |
| ACL / Total Loans | 1.37% | 1.28% | +0.09% | 69th above |
| ACL / NPLs (Coverage) | 54.32% | 1538.97% | -1484.65% | 12th bottom |
| Texas Ratio | 9.63% | 7.33% | +2.30% | 23rd bottom |
| Provision / NCO | 0.00% | 1395.88% | -1395.88% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.63% | 12.14% | +0.49% | 72nd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.80% | 11.37% | -0.57% | 57th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.48% | 11.09% | -0.61% | 56th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 49.25% | 80.64% | -31.39% | 92nd top |
| Core Deposit Ratio | 81.31% | 86.86% | -5.55% | 19th bottom |
| Wholesale Funding Ratio | 0.02% | 5.03% | -5.01% | 99th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.37% | 6.85% | -8.22% | 13th bottom |
| Loan Growth (Y/Y) | -13.40% | 7.91% | -21.31% | 1st bottom |
| Deposit Growth (Y/Y) | -2.24% | 6.29% | -8.53% | 13th bottom |
See Highlands Community Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Highlands Community Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Highlands Community Bank profile, how to read a UBPR, or how this data updates.