Highpoint Community Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
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 0.05% and a Texas ratio of 0.30%, according to its call report filed with the FFIEC.
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
- Offices
- 7 domestic
- 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
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Highpoint Community Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Highpoint Community 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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| 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
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 6 branches →
| 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
What the public regulatory sources show for Highpoint Community Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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 98 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).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Highpoint Community Bank headquartered?
Highpoint Community Bank is headquartered in Hastings, MI, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Highpoint Community Bank founded?
Highpoint Community Bank was established in 1886, per the FDIC institution directory.
Is Highpoint Community Bank FDIC-insured?
Yes. Highpoint Community Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Highpoint Community Bank's CET1 capital ratio?
Highpoint Community Bank 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?
Highpoint Community Bank 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?
Highpoint Community Bank's Texas Ratio is 0.30% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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