Highpoint Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Highpoint Community Bank of Hastings, MI against its peer group of 2757 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 | 0.89% | 1.25% | -0.36% | 26th below |
| ROAE | 11.05% | 13.17% | -2.12% | 41st below |
| Net Interest Margin | 3.52% | 3.95% | -0.43% | 27th below |
| Efficiency Ratio | 71.10% | 61.50% | +9.60% | 25th below |
| PPNR / Avg Assets | 1.03% | — | — | 21st bottom |
| Yield on Earning Assets | 4.90% | 5.67% | -0.77% | 19th bottom |
| Cost of Funds | 1.30% | 1.87% | -0.57% | 80th top |
| Net Interest Spread | 3.10% | — | — | 37th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.05% | 0.93% | -0.88% | 78th top |
| NPA / Total Assets | 0.03% | — | — | 81st top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 74th above |
| ACL / Total Loans | 1.14% | — | — | 43rd below |
| ACL / NPLs (Coverage) | 2239.15% | — | — | — |
| Texas Ratio | 0.30% | 6.06% | -5.76% | 81st top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.68% | 17.18% | -2.50% | 46th below |
| Tier 1 Ratio | 14.68% | 17.21% | -2.53% | 46th below |
| Total Capital Ratio | 15.93% | — | — | 47th below |
| Leverage Ratio | 8.45% | 11.75% | -3.30% | 5th bottom |
| Equity / Assets | 8.26% | 10.98% | -2.72% | 16th bottom |
| TCE / Tangible Assets | 8.26% | — | — | 19th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 68.88% | 80.44% | -11.56% | 73rd above |
| Core Deposit Ratio | 96.74% | 86.95% | +9.79% | 92nd top |
| Wholesale Funding Ratio | 0.34% | — | — | 92nd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -10.13% | — | — | 1st bottom |
| Loan Growth (Y/Y) | 8.24% | — | — | 65th above |
| Deposit Growth (Y/Y) | -10.81% | — | — | 2nd bottom |
See Highpoint Community Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Highpoint 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 Highpoint Community Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Highpoint Community Bank peer analysis.