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Highlands Community Bank
Covington, VA · FDIC Certificate #57420 · Chartered 09/1
Total assets
$188.92M
Total deposits
$167.28M
Total equity
$20.40M
Net loans
$81.26M
Branches (offices)
3
Net income (YTD)
$368.00K
Rank: #3,054 of 4,213 U.S. banks by assets · #49 of 56 in Virginia. Assets changed -1.4% and deposits -2.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.39% |
| Return on equity | 3.61% |
| Net interest margin (YTD) | 3.36% |
| Equity to assets | 10.80% |
| Tier 1 leverage ratio | 12.63% |
| Uninsured deposits (share of deposits) | 18.1% |
| Noncurrent loans (share of loans) | 2.51% |
| Net charge-offs (share of loans) | 0.27% |
| Loans to deposits | 48.6% |
| Real estate loans (share of loans) | 69.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $56.55M | 69.6% | |
| Commercial & industrial | $12.39M | 15.3% | |
| Consumer / individual | $10.18M | 12.5% | |
| Construction & development | $7.67M | 9.4% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $202.57M | $185.62M | $861.00K | $16.39M |
| Jun 2023 | $198.62M | $180.94M | $662.00K | $15.66M |
| Jun 2024 | $200.84M | $183.30M | $63.00K | $16.90M |
| Jun 2025 | $191.55M | $171.11M | $233.00K | $19.22M |
| Jun 2026 | $188.92M | $167.28M | $368.00K | $20.40M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Virginia | $167.28M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $167.28M.
Similar-sized banks
First Federal Savings And Loan Association Of Bath ($189.10M) · Beach Cities Commercial Bank ($188.87M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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