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Highpoint Community Bank
Hastings, MI · FDIC Certificate #11407 · Chartered 01/0
Total assets
$592.37M
Total deposits
$540.00M
Total equity
$48.91M
Net loans
$367.71M
Branches (offices)
6
Net income (YTD)
$2.38M
Rank: #1,575 of 4,213 U.S. banks by assets · #27 of 72 in Michigan. Assets changed -10.1% and deposits -10.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.80% |
| Return on equity | 9.91% |
| Net interest margin (YTD) | 3.37% |
| Equity to assets | 8.26% |
| Tier 1 leverage ratio | 8.45% |
| Uninsured deposits (share of deposits) | 36.3% |
| Noncurrent loans (share of loans) | 0.04% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 68.1% |
| Real estate loans (share of loans) | 84.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $309.72M | 84.2% | |
| Commercial & industrial | $13.55M | 3.7% | |
| Consumer / individual | $9.52M | 2.6% | |
| Construction & development | $4.46M | 1.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $472.41M | $415.14M | $1.18M | $32.05M |
| Jun 2023 | $543.41M | $493.77M | $2.37M | $34.26M |
| Jun 2024 | $539.77M | $492.12M | $3.04M | $38.86M |
| Jun 2025 | $659.13M | $605.48M | $3.18M | $44.56M |
| Jun 2026 | $592.37M | $540.00M | $2.38M | $48.91M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Michigan | $540.00M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $540.00M.
Similar-sized banks
Riverstone Bank ($593.44M) · Insouth Bank ($591.89M)
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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