Highlands Community Bank
Covington, VA · Cert 57420 · Peer group: banks under $1B in assets (n=573-620)
State charter, Fed member · FED · 3 branches
Q2 2026
$188.9MAssets
$82.4MLoans
$167.3MDeposits
$20.4MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 53% of banks under $1B in assets (rank 293 of 620).
- Widest gap: net charge-offs / loans trails 94% of banks under $1B in assets (rank 539 of 573).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.39%
Rank 520 of 620
Net Interest Margin
3.14%
Rank 431 of 620
Efficiency Ratio
87.10%
Rank 520 of 620
Equity / Assets
10.80%
Rank 293 of 620
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% | 1.00% | 1.45% | Beats 16% | 520 / 620 | | |
| Return on Equity | 3.61% | 5.30% | 9.30% | 13.29% | Beats 17% | 513 / 620 | | |
| Net Interest Margin | 3.14% | 3.02% | 3.53% | 4.04% | Beats 30% | 431 / 620 | | |
| Efficiency Ratio | 87.10% | 58.35% | 68.08% | 79.37% | Beats 16% | 520 / 620 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.51% | 0.09% | 0.47% | 1.27% | Beats 10% | 515 / 573 | | |
| Net Charge-Offs / Loans | 0.29% | n/a | 0.01% | 0.06% | Beats 6% | 539 / 573 | | |
| Capital |
| Tier 1 Capital Ratio | 12.63% | 11.27% | 13.87% | 18.78% | Beats 40% | 375 / 620 | | |
| Total Risk-Based Capital Ratio | 12.63% | 11.69% | 14.57% | 19.67% | Beats 35% | 405 / 620 | | |
| Equity / Assets | 10.80% | 9.03% | 10.60% | 13.73% | Beats 53% | 293 / 620 | | |
| Liquidity & Funding |
| Loans / Deposits | 49.25% | 65.08% | 79.69% | 92.47% | 11th pctl | 520 / 585 | | |
| Loans / Assets | 43.61% | 51.85% | 67.17% | 77.86% | 17th pctl | 514 / 620 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |