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Highlands Community Bank

$100M-$1B Specialty: Other VA FDIC cert 57420

Covington, VA

3 branches across VA

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 23 in VA.
  • Deposits -2.2% year over year ($167.3M on the books).
  • Delinquency rate 2.55%.
  • Return on assets 0.39%.
  • Efficiency ratio 87.10% vs a 64.48% peer average.
  • Loan-to-deposit ratio 48.58% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 23 in VA
View $100M-$1B leaderboard (VA) →

Highlands Community Bank faces 5 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 0.8% in tier
  • - Return on Assets 0.93% below tier average
  • - Efficiency Ratio 22.63% above tier average
  • - Delinquency Rate 1.63% above tier average
  • - Net Interest Margin 0.63% below tier average
Get updates when Highlands Community Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Total Assets ? $188.9M
-1.4% YoY -0.4% QoQ
-$197.6M $386.6M
+1.2% YoY
$17.9B
+3.0% YoY
$6.3B
+7.7% YoY
24%
Total Loans ? $81.3M
-13.4% YoY -2.1% QoQ
-$177.1M $258.3M
+1.7% YoY
$10.9B
+3.1% YoY
$3.2B
+9.4% YoY
Bottom 11.0% in tier
Total Deposits ? $167.3M
-2.2% YoY -0.5% QoQ
-$159.5M $326.7M
+0.7% YoY
$14.1B
+3.2% YoY
$4.9B
+7.3% YoY
26%
Return on Assets ? 0.39%
+60.8% YoY -13.5% QoQ
-0.93% 1.32%
+10.8% YoY
1.34%
+70.7% YoY
1.30%
+12.1% YoY
Bottom 9.5% in tier
Net Interest Margin ? 3.36%
+3.4% YoY +1.2% QoQ
-0.63% 3.99%
+5.0% YoY
3.88%
+6.6% YoY
3.95%
+4.9% YoY
22%
Efficiency Ratio ? 87.10%
+1.1% YoY +2.8% QoQ
+22.63% 64.48%
-3.2% YoY
62.24%
-10.7% YoY
70.05%
+2.5% YoY
Bottom 7.8% in tier
Delinquency Rate ? 2.55%
+65.9% YoY +14.1% QoQ
+1.63% 0.92%
+15.7% YoY
0.72%
+0.1% YoY
0.98%
+16.3% YoY
Bottom 8.4% in tier
Loan-to-Deposit Ratio ? 48.58%
-11.4% YoY -1.6% QoQ
-29.37% 77.95%
+1.0% YoY
80.15%
+0.8% YoY
79.03%
+2.3% YoY
Top 7.7% in tier
Non-Interest-Bearing Deposit Share ? 25.55%
+5.7% YoY -0.8% QoQ
+3.52% 22.03%
-0.6% YoY
26.19%
+3.5% YoY
21.98%
-0.6% YoY
68%
Nonperforming Asset Ratio ? 1.10%
+45.7% YoY +12.1% QoQ
+0.43% 0.67%
+16.4% YoY
0.52%
-0.4% YoY
0.69%
+15.8% YoY
18%
Tier 1 Capital Ratio ? 12.63%
+2.5% YoY +2.3% QoQ
-3.28% 15.91%
+1.4% YoY
16.58%
+3.9% YoY
17.09%
+0.8% YoY
43%
Non-Interest Income / Assets ? 0.22%
+0.2% YoY +99.8% QoQ
-0.35% 0.57%
+7.6% YoY
0.52%
+72.6% YoY
0.66%
+5.2% YoY
55%

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 (VA) National Avg Tier Percentile
Noninterest-Bearing 25.5%
+1.4pp YoY
-0.2pp QoQ
 +3.4pp 22.1% 26.2% 22.2% 68%
Brokered Deposits 6.1%
+0.7pp YoY
0.0pp QoQ
 -1.8pp 7.9% 8.5% 8.5% 59%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
C&I 15.3%
+2.5pp YoY
-1.3pp QoQ
 +3.7pp 11.6% 11.0% 12.5% 77%
CRE 34.4%
+2.9pp YoY
+1.4pp QoQ
 -5.1pp 39.5% 46.9% 41.4% 42%
1-4 Family 35.2%
-1.9pp YoY
-0.8pp QoQ
 +2.6pp 32.6% 32.6% 31.3% 62%
Consumer 12.5%
-4.0pp YoY
+0.2pp QoQ
 +8.4pp 4.1% 8.0% 5.0% 94%

Capital

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 17.2% 19.7% n/a
Leverage Ratio 12.6%
+0.3pp YoY
+0.3pp QoQ
 +0.5pp 12.2% 12.2% 12.6% 72%
Total Capital Ratio n/a n/a 19.9% 18.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Full-Time Employees 32
0 YoY
-1 (-3.0%) QoQ
 -27 58 1,956 482 30%
Assets per Employee ($) $5.9M
-1.4% YoY
+2.7% QoQ
 -$1.6M $7.5M $9.9M $8.8M 32%
Branch Count 3
0 YoY
0 QoQ
 -2 4 28 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 2.5%
+1.0pp YoY
+0.3pp QoQ
 +1.6pp 0.9% 0.7% 1.0% 92%
Allowance Coverage 0.54x
-40.9% YoY
-19.2% QoQ
 -23.61x 24.15x 9.47x 20.23x 12%
Net Charge-off Rate (YTD) 0.3%
-0.1pp YoY
+0.3pp QoQ
 +0.1pp 0.1% 0.2% 0.2% 89%

Profitability

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
ROE 3.6%
+1.1pp YoY
-0.6pp QoQ
 -8.6pp 12.2% 12.0% 11.6% 10%
Cost of Funds (YTD) 1.4%
0.0pp YoY
0.0pp QoQ
 -0.3pp 1.7% 1.7% 1.7% 28%
Net Income ($, YTD) $368,000
+57.9% YoY
— QoQ
 -$2.2M $2.6M $137.1M $40.4M 8%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Flatlined Growth

risk
#5 of 529 • Bottom 0.8% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.39%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

204
Loan-to-Deposit Ratio
liquidity
Value: 48.58%
Peer Median: 77.95%
#204 of 2643 Top 7.7% in $100M-$1B

Top Weaknesses (7 metrics)

2439
Efficiency Ratio
profitability
Value: 87.10%
Peer Median: 64.48%
#2439 of 2643 Bottom 7.8% in $100M-$1B
2412
Delinquency Rate
credit_quality
Value: 2.55%
Peer Median: 0.92%
#2412 of 2633 Bottom 8.4% in $100M-$1B
2394
Return on Assets
profitability
Value: 0.39%
Peer Median: 1.32%
#2394 of 2643 Bottom 9.5% in $100M-$1B
2352
Total Loans
size
Value: $81.26M
Peer Median: $258.35M
#2352 of 2643 Bottom 11.0% in $100M-$1B
2161
Nonperforming Asset Ratio
credit_quality
Value: 1.10%
Peer Median: 0.67%
#2161 of 2643 Bottom 18.3% in $100M-$1B
2066
Net Interest Margin
profitability
Value: 3.36%
Peer Median: 3.99%
#2066 of 2643 Bottom 21.9% in $100M-$1B
2019
Total Assets
size
Value: $188.92M
Peer Median: $386.57M
#2019 of 2643 Bottom 23.6% in $100M-$1B
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