BlastPoint's Banking Scorecard

Highlands Community Bank

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

Covington, VA

3 branches across VA

2664 banks in the $100M-$1B peer group nationally 22 in 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 3.5% in tier
- ROA 0.82% below tier average
- Net Interest Margin 0.61% below tier average
- Efficiency Ratio 19.48% above tier average
- Delinquency Rate 1.35% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Total Assets ?	$189.7M -1.1% YoY -0.1% QoQ	-$196.4M	$386.1M +0.5% YoY	$17.9B +25.7% YoY	$6.2B +9.1% YoY	24%
Total Loans ?	$83.0M -15.3% YoY -3.4% QoQ	-$172.7M	$255.7M +1.1% YoY	$10.6B +27.9% YoY	$3.2B +10.8% YoY	Bottom 12.6% in tier
Total Deposits ?	$168.2M -2.4% YoY +1.8% QoQ	-$159.8M	$328.0M +0.1% YoY	$14.1B +22.4% YoY	$4.8B +8.2% YoY	26%
Return on Assets ?	0.45% +109.0% YoY +62.0% QoQ	-0.82%	1.27% +12.9% YoY	1.15% +53.9% YoY	1.23% +13.4% YoY	Bottom 12.0% in tier
Net Interest Margin ?	3.32% +3.6% YoY +1.1% QoQ	-0.61%	3.93% +6.0% YoY	3.81% +7.1% YoY	3.89% +5.7% YoY	22%
Efficiency Ratio ?	84.77% -0.6% YoY -2.9% QoQ	+19.48%	65.29% -4.5% YoY	65.58% -7.6% YoY	66.95% -4.1% YoY	Bottom 10.3% in tier
Delinquency Rate ?	2.23% +78.7% YoY +22.0% QoQ	+1.35%	0.89% +18.8% YoY	0.77% +12.4% YoY	0.95% +18.8% YoY	Bottom 10.3% in tier
Loan-to-Deposit Ratio ?	49.37% -13.2% YoY -5.1% QoQ	-27.26%	76.64% +0.8% YoY	79.34% +0.5% YoY	76.70% +0.9% YoY	Top 8.9% in tier
Non-Interest-Bearing Deposit Share ?	25.75% +6.1% YoY +1.9% QoQ	+3.73%	22.02% -1.0% YoY	25.27% -0.4% YoY	22.01% -1.2% YoY	69%
Nonperforming Asset Ratio ?	0.98% +53.0% YoY +17.9% QoQ	+0.34%	0.64% +19.7% YoY	0.55% +12.2% YoY	0.67% +19.3% YoY	20%
Tier 1 Capital Ratio ?	12.35% +2.7% YoY -0.9% QoQ	-3.48%	15.83% +1.5% YoY	16.28% +2.7% YoY	17.06% +0.8% YoY	40%
Non-Interest Income / Assets ?	0.11% +3.6% YoY -75.1% QoQ	-0.17%	0.28% +9.3% YoY	0.18% +27.1% YoY	0.32% +4.1% YoY	58%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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

#19 of 512 • Bottom 3.5% 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: 0.45%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

237

Loan-to-Deposit Ratio

liquidity

Value: 49.37%

Peer Median: 76.64%

#237 of 2664 Top 8.9% in $100M-$1B

Top Weaknesses (7 metrics)

2391

Efficiency Ratio

profitability

Value: 84.77%

Peer Median: 65.29%

#2391 of 2664 Bottom 10.3% in $100M-$1B

2382

Delinquency Rate

credit_quality

Value: 2.23%

Peer Median: 0.89%

#2382 of 2654 Bottom 10.3% in $100M-$1B

2345

Return on Assets

profitability

Value: 0.45%

Peer Median: 1.27%

#2345 of 2664 Bottom 12.0% in $100M-$1B

2330

Total Loans

size

Value: $83.02M

Peer Median: $255.72M

#2330 of 2664 Bottom 12.6% in $100M-$1B

2131

Nonperforming Asset Ratio

credit_quality

Value: 0.98%

Peer Median: 0.64%

#2131 of 2664 Bottom 20.0% in $100M-$1B

2067

Net Interest Margin

profitability

Value: 3.32%

Peer Median: 3.93%

#2067 of 2664 Bottom 22.4% in $100M-$1B

2024

Total Assets

size

Value: $189.65M

Peer Median: $386.08M

#2024 of 2664 Bottom 24.1% in $100M-$1B