Highpoint Community Bank
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Data as of · sourced from FFIEC call reports. How we update
Highpoint Community Bank is an FDIC-insured commercial bank headquartered in Hastings, MI, established in 1886 (FDIC certificate 11407), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $592.4M, down 10.1% from Q2 2025, the 27th largest of 72 banks headquartered in Michigan. Its CET1 capital ratio was 14.68% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 11407
- Headquarters
- Hastings, MI
- Established
- 1886
- Total assets, Q2 2026
- $592.4M
- Assets vs Q2 2025
- -10.1%
- CET1 ratio, Q2 2026
- 14.68%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 072402869
- Holding company
- INDEPENDENT BANK CORPORATION
- Asset rank in state
- 27th of 72 in Michigan
Highpoint Community Bank operates with a thinner capital cushion than most banks of its size. The Hastings, Michigan bank had $592 million in assets at June 30, 2026, down 10.1% from a year earlier. It funds 8.45% of its assets with Tier 1 capital, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also lost 10.8% of its deposits over the year, lower than about 9 in 10 banks its size (median 4.0%).
Net income for the quarter slipped 29% from a year earlier, to $1.3 million. Over the same year, loans grew 8.2% and deposits shrank 10.8%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.5 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Highpoint Community Bank reported a CET1 capital ratio of 14.68%, a return on assets of 0.89%, a nonperforming-loan ratio of 0.04% and a Texas ratio of 0.30%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Highpoint Community Bank is the 27th largest of the 72 banks headquartered in Michigan. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.8% to $592.4M, loans rose 0.6% and deposits fell 1.1%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 32.5% of total loans, ahead of 1-4 family residential loans at 28.8%. Its 6 offices in the FDIC Summary of Deposits are in 6 cities in MI; its Hastings office books 58% of its branch deposits. On its Q2 2026 call report, Highpoint Community Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 150 W Court St, Hastings, MI 49058
- County
- Barry
- Metro Area
- Grand Rapids-Wyoming-Kentwood, MI
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1886
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 70
- Domestic deposits
- $540.0M
- Allowance for credit losses
- $4.2M
- Net charge-offs (YTD)
- -$2K
- Average total assets
- $598.0M
- Average total loans
- $370.9M
- Average interest-bearing deposits
- $503.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11407
- Fed RSSD
- 750341
- SEC CIK
- 39311 → filed by INDEPENDENT BANK CORPORATION
- Website
- WWW.HIGHPOINTCOMMUNITYBANK.COM →
- Parent Holding Company
- INDEPENDENT BANK CORPORATION (RSSD 1201925) · IBCP
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| William B Kessel | CEO | President & CEO |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Highpoint Community Bank's total assets ranged from $539.8M (Q2 2024) to $659.1M (Q2 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$592.4M total assets against $659.1M; $543.5M total liabilities against $614.6M.
$367.7M net loans and leases against $339.9M; $540.0M total deposits against $605.5M.
$48.6M securities against $57.6M; $151.8M cash and balances due against $240.8M.
$6.9M total interest income against $7.3M; $2.0M total interest expense against $1.9M.
$4.9M net interest income against $5.3M.
$752K total noninterest income against $809K; $4.1M total noninterest expense against $3.6M.
$106K provision for credit losses against $258K.
$1.3M net income against $1.9M.
0.89% return on assets against 1.21%; 3.52% net interest margin against 3.61%.
14.68% CET1 capital ratio against 14.91%; 8.45% tier 1 leverage ratio against 7.49%.
Inside the full Highpoint Community Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Highpoint Community Bank rankings
Its closest position to the top of a national ranking is 1,567 of 4,196, for total assets; its furthest is 3,087 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.70% (Q1 2026) to 1.22% (Q3 2025) and its net interest margin ran from 3.20% (Q3 2024) to 3.61% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.68% | 0.89% | 0.04% | 0.30% | 3.52% |
| Q1 2026 | 14.59% | 0.70% | 0.04% | 0.32% | 3.28% |
| Q4 2025 | 15.19% | 0.76% | 0.05% | 0.33% | 3.52% |
| Q3 2025 | 14.94% | 1.22% | 0.06% | 0.39% | 3.43% |
| Q2 2025 | 14.91% | 1.21% | 0.05% | 0.39% | 3.61% |
| Q1 2025 | 14.88% | 0.83% | 0.06% | 0.45% | 3.21% |
| Q4 2024 | 15.17% | 1.15% | 0.06% | 0.47% | 3.55% |
| Q3 2024 | 14.96% | 0.83% | 0.06% | 0.46% | 3.20% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Highpoint Community Bank (main office) | Hastings , MI | 49058 | $312.9M |
| Middleville Branch | Middleville , MI | 49333 | $66.3M |
| Marshall Branch | Marshall , MI | 49068 | $50.5M |
| Nashville Branch | Nashville , MI | 49073 | $47.2M |
| Wayland Branch | Wayland , MI | 49348 | $37.6M |
| Caledonia Branch | Caledonia , MI | 49316 | $25.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 1, 1975 | Structure Change | Acquired Farmers State Bank of Middleville Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 31, 1975 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 2 against individuals associated with it
- Period: Most recent action April 11, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in MI, rank 37 of 95 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 102 applications, 96 loans originated, $25.6M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 9 loans, $3.2M approved, $356K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Highpoint Community Bank
What are Highpoint Community Bank's total assets?
As of the Q2 2026 filing, Highpoint Community Bank reported total assets of $592.4 million in its FFIEC call report.
Where is Highpoint Community Bank headquartered?
It is headquartered in Hastings, MI, United States.
When was Highpoint Community Bank founded?
It was established in 1886, per the FDIC institution directory.
Is Highpoint Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11407). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Highpoint Community Bank?
Highpoint Community Bank's primary federal regulator is the FDIC.
What is Highpoint Community Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.68% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Highpoint Community Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Highpoint Community Bank's Texas Ratio?
Its Texas Ratio is 0.30% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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