BlastPoint's Banking Scorecard
Highlands Bank
Petersburg, WV
7 branches across WV
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 32 in WV.
- Deposits +9.8% year over year ($356.8M on the books).
- Delinquency rate 0.92%.
- Return on assets 1.27%.
- Efficiency ratio 64.17% vs a 64.48% peer average.
- Loan-to-deposit ratio 85.79% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Highlands Bank shows strong momentum with 2 strengths and 8.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.41% above tier average
- + Efficiency Ratio 0.31% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$407.1M
+8.0% YoY
+2.6% QoQ
|
+$20.6M |
$386.6M
+1.2% YoY
|
$1.3B
+5.7% YoY
|
$6.3B
+7.7% YoY
|
62% |
| Total Loans ? |
$306.1M
+6.6% YoY
+2.2% QoQ
|
+$47.8M |
$258.3M
+1.7% YoY
|
$899.3M
+7.6% YoY
|
$3.2B
+9.4% YoY
|
68% |
| Total Deposits ? |
$356.8M
+9.8% YoY
+4.0% QoQ
|
+$30.1M |
$326.7M
+0.7% YoY
|
$1.1B
+6.2% YoY
|
$4.9B
+7.3% YoY
|
64% |
| Return on Assets ? |
1.27%
+27.3% YoY
+2.9% QoQ
|
-0.05% |
1.32%
+10.8% YoY
|
1.06%
+30.6% YoY
|
1.30%
+12.1% YoY
|
51% |
| Net Interest Margin ? |
4.40%
+5.8% YoY
+1.0% QoQ
|
+0.41% |
3.99%
+5.0% YoY
|
3.90%
+8.7% YoY
|
3.95%
+4.9% YoY
|
75% |
| Efficiency Ratio ? |
64.17%
-3.1% YoY
-1.7% QoQ
|
-0.31% |
64.48%
-3.2% YoY
|
68.34%
-7.3% YoY
|
70.05%
+2.5% YoY
|
45% |
| Delinquency Rate ? |
0.92%
-35.1% YoY
-20.8% QoQ
|
+0.00% |
0.92%
+15.7% YoY
|
0.74%
+17.9% YoY
|
0.98%
+16.3% YoY
|
31% |
| Loan-to-Deposit Ratio ? |
85.79%
-3.0% YoY
-1.7% QoQ
|
+7.84% |
77.95%
+1.0% YoY
|
79.72%
+2.0% YoY
|
79.03%
+2.3% YoY
|
36% |
| Non-Interest-Bearing Deposit Share ? |
24.41%
-1.8% YoY
+0.6% QoQ
|
+2.38% |
22.03%
-0.6% YoY
|
26.43%
-1.4% YoY
|
21.98%
-0.6% YoY
|
64% |
| Nonperforming Asset Ratio ? |
0.75%
-39.5% YoY
-21.8% QoQ
|
+0.08% |
0.67%
+16.4% YoY
|
0.55%
+10.4% YoY
|
0.69%
+15.8% YoY
|
28% |
| Tier 1 Capital Ratio ? |
11.00%
-2.1% YoY
-0.6% QoQ
|
-4.91% |
15.91%
+1.4% YoY
|
14.02%
-0.7% YoY
|
17.09%
+0.8% YoY
|
23% |
| Non-Interest Income / Assets ? |
0.26%
+5.6% YoY
+122.5% QoQ
|
-0.31% |
0.57%
+7.6% YoY
|
0.30%
+5.9% YoY
|
0.66%
+5.2% YoY
|
65% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
24.4%
-0.5pp YoY +0.2pp QoQ |
+2.3pp | 22.1% | 27.1% | 22.2% | 64% |
| Brokered Deposits | n/a | n/a | 7.9% | 3.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
6.0%
-1.4pp YoY -0.2pp QoQ |
-5.6pp | 11.6% | 7.1% | 12.5% | 26% |
| CRE |
46.9%
-3.2pp YoY -1.0pp QoQ |
+7.4pp | 39.5% | 33.8% | 41.4% | 65% |
| 1-4 Family |
39.3%
+3.3pp YoY +1.4pp QoQ |
+6.7pp | 32.6% | 52.8% | 31.3% | 69% |
| Consumer |
4.4%
-0.2pp YoY 0.0pp QoQ |
+0.3pp | 4.1% | 7.9% | 5.0% | 74% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 17.1% | 19.7% | n/a |
| Leverage Ratio |
11.0%
-0.2pp YoY -0.1pp QoQ |
-1.2pp | 12.2% | 11.6% | 12.6% | 50% |
| Total Capital Ratio | n/a | n/a | 19.9% | 18.1% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
81
+1 (+1.2%) YoY +2 (+2.5%) QoQ |
+22 | 58 | 161 | 482 | 77% |
| Assets per Employee ($) |
$5.0M
+6.7% YoY +0.1% QoQ |
-$2.5M | $7.5M | $6.1M | $8.8M | 15% |
| Branch Count |
7
0 YoY 0 QoQ |
+2 | 4 | 13 | 18 | 75% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.2pp YoY -0.1pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.4% | 35% |
| Nonaccrual |
0.9%
-0.3pp YoY -0.2pp QoQ |
-0.1pp | 0.9% | 0.7% | 1.0% | 68% |
| Allowance Coverage |
1.29x
+61.5% YoY +25.9% QoQ |
-22.87x | 24.15x | 6.60x | 20.23x | 35% |
| Net Charge-off Rate (YTD) |
-0.0%
-0.1pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 25% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.9%
+2.5pp YoY +0.4pp QoQ |
-0.2pp | 12.2% | 10.6% | 11.6% | 50% |
| Cost of Funds (YTD) |
1.8%
-0.1pp YoY 0.0pp QoQ |
+0.1pp | 1.7% | 1.5% | 1.7% | 57% |
| Net Income ($, YTD) |
$2.5M
+38.6% YoY — QoQ |
-$8K | $2.6M | $9.0M | $40.4M | 63% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.