Highlands Community Bank

BankCovington, Virginia
www.hc.bank

Total Assets

$189.7M

Total Deposits

$165.2M

Branches

3

Established

2002

TFS Health Grade

$
F

50.3 / 100

Poor financial health

How we grade

Highlands Community Bank is a bank headquartered in Covington, Virginia, established in 2002. With $189.7M in total assets and 3 branch locations, it has a TFS Financial Health Grade of F (50.3/100).

Capital & Safety

Tier 1 Capital Ratio
12.46%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
1.80%

Profitability

Return on Assets (ROA)
0.28%(1%)
Return on Equity (ROE)
2.77%(10%)
Net Interest Margin
3.28%
Efficiency Ratio
87.32%(60%)

Lending & Liquidity

Total Loans
$87.2M
Loan-to-Deposit Ratio
52.05%
Net Charge-Off Ratio
0.35%

Growth

Asset Growth (YoY)
-2.89%
Deposit Growth (YoY)
-6.70%
Net Income
$531.0K

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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