Highlands Community Bank
Covington, VA · Cert 57420 · Peer group: banks under $1B in assets (n=581-629)
State charter, Fed member · FED · 3 branches
Q2 2026
$188.9MAssets
$82.4MLoans
$167.3MDeposits
$20.4MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 52% of banks under $1B in assets (rank 304 of 629).
- Widest gap: net charge-offs / loans trails 94% of banks under $1B in assets (rank 547 of 581).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.39%
Rank 528 of 629
Net Interest Margin
3.14%
Rank 440 of 629
Efficiency Ratio
87.10%
Rank 527 of 629
Equity / Assets
10.80%
Rank 304 of 629
Non-interest income vs. expense
Unfavorable gap of $5.1M · efficiency ratio beats 16% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.39% | 0.60% | 1.01% | 1.45% | Beats 16% | 528 / 629 | | |
| Return on Equity | 3.61% | 5.38% | 9.30% | 13.28% | Beats 17% | 521 / 629 | | |
| Net Interest Margin | 3.14% | 3.03% | 3.54% | 4.05% | Beats 30% | 440 / 629 | | |
| Efficiency Ratio | 87.10% | 58.35% | 67.79% | 79.08% | Beats 16% | 527 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.51% | 0.09% | 0.46% | 1.20% | Beats 10% | 526 / 581 | | |
| Net Charge-Offs / Loans | 0.29% | n/a | 0.01% | 0.06% | Beats 6% | 547 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 12.63% | 11.24% | 13.84% | 18.77% | Beats 40% | 379 / 629 | | |
| Total Risk-Based Capital Ratio | 12.63% | 11.58% | 14.43% | 19.66% | Beats 35% | 410 / 629 | | |
| Equity / Assets | 10.80% | 9.09% | 10.65% | 13.80% | Beats 52% | 304 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 49.25% | 67.24% | 80.90% | 93.48% | 10th pctl | 534 / 594 | | |
| Loans / Assets | 43.61% | 53.31% | 67.71% | 78.15% | 16th pctl | 528 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |