Highlands Community Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 12.88 percentage points in Q2 2026, from 67.21% to 54.32%. It was the largest change from Q1 2026 among the key lines here. Within Virginia, Highlands Community Bank is 50th of 56 on return on assets, 0.33% as of Q2 2026, below the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, Highlands Community Bank reported 0.33% on return on assets in Q2 2026, 0.93 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.63% |
| Equity capital to assets | 10.80% |
| Tangible equity to tangible assets | 10.79% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.51% |
| Non-performing assets ratio | 1.10% |
| Net charge-off ratio | 0.58% |
| Texas ratio | 9.63% |
| Allowance for credit losses to loans | 1.37% |
| Reserve coverage of non-performing loans | 54.32% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.33% |
| Return on equity | 3.05% |
| Net interest margin | 3.32% |
| Efficiency ratio | 89.12% |
| Yield on earning assets | 4.64% |
| Cost of funds | 1.42% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 49.25% |
| Core deposits to total deposits | 81.31% |
| Brokered deposits to total deposits | 6.06% |
| Deposits to assets | 88.54% |
| Securities to assets | 45.89% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.39% | 0.10% | 3.32% | 1.05% | 0.27% |
| Q4 2023 | 11.60% | 0.60% | 3.38% | 1.05% | 0.28% |
| Q1 2024 | 11.48% | 0.02% | 2.98% | 1.03% | 0.83% |
| Q2 2024 | 11.48% | 0.11% | 2.84% | 0.91% | 0.58% |
| Q3 2024 | 11.61% | 0.17% | 2.86% | 1.03% | -0.01% |
| Q4 2024 | 11.63% | 0.04% | 2.94% | 1.04% | 0.08% |
| Q1 2025 | 12.03% | 0.22% | 3.10% | 1.23% | 0.70% |
| Q2 2025 | 12.32% | 0.27% | 3.23% | 1.51% | 0.11% |
| Q3 2025 | 12.31% | 0.27% | 3.26% | 1.56% | 0.39% |
| Q4 2025 | 12.46% | 0.36% | 3.20% | 1.80% | 0.21% |
| Q1 2026 | 12.35% | 0.44% | 3.21% | 2.20% | -0.04% |
| Q2 2026 | 12.63% | 0.33% | 3.32% | 2.51% | 0.58% |
Highlands Community Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Highlands Community Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)