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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Covington, VA · FDIC certificate #57420
HIGHLANDS COMMUNITY BANK is an FDIC-insured institution based in Covington, VA (FDIC certificate #57420). In its Q3 2026 Call Report it reported total assets of $193M, total deposits of $162M and net loans of $79M. Its primary federal regulator is FED.
Plain-language readout
HIGHLANDS COMMUNITY BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $193M in Q3 2026 and were lowest at $189M in Q2 2026.
Total deposits were highest at $168M in Q1 2026 and lowest at $162M in Q3 2026.
Over the whole period total assets rose 1.7%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $193M | $162M | $79M | -0.76% | -6.41% | 3.37% |
| Q2 2026 | $189M | $167M | $81M | 0.39% | 3.61% | 3.36% |
| Q1 2026 | $190M | $168M | $83M | 0.45% | 4.18% | 3.32% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $10.0M | $7.7M | +$2.3M | +30.5% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $86.7M | $87.9M | -$1.2M | -1.4% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $81.3M | $83.0M | -$1.8M | -2.1% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $2.0M | $2.0M | -$23K | -1.1% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $18K | $19K | -$1K | -5.3% |
| All other assets | $8.9M | $8.9M | -$40K | -0.4% |
| Total assets | $188.9M | $189.7M | -$733K | -0.4% |
| Liabilities | ||||
| Total deposits | $167.3M | $168.2M | -$873K | -0.5% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $35K | $37K | -$2K | -5.4% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.2M | $1.2M | +$28K | +2.4% |
| Total liabilities | $168.5M | $169.4M | -$847K | -0.5% |
| Equity | ||||
| Perpetual preferred stock | $580K | $580K | $0K | 0.0% |
| Common stock | $3.4M | $3.4M | $0K | 0.0% |
| Surplus | $3.6M | $3.6M | $0K | 0.0% |
| Retained earnings | $16.4M | $16.2M | +$155K | +1.0% |
| Accumulated other comprehensive income | -$3.5M | -$3.5M | -$41K | -1.2% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $20.4M | $20.3M | +$114K | +0.6% |
| Credit and capital | ||||
| Gross nonperforming assets | $2.1M | $1.9M | +$217K | +11.7% |
| Adjusted nonperforming assets | $2.1M | $1.9M | +$217K | +11.7% |
| Tangible equity plus allowance | $21.5M | $21.5M | -$6K | -0.0% |
| Texas ratio (gross) | 9.63% | 8.62% | +1.01 pts | See points |
| Texas ratio (adjusted) | 9.63% | 8.62% | +1.01 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 9.63% | 8.62% | +1.01 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 12.63% | 12.35% | +0.28 pts | See points |
| Construction and land loans to total capital | 30.63% | 30.34% | +0.29 pts | See points |
| Commercial real estate to total capital | 79.88% | 78.00% | +1.88 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -18.84% | -18.76% | -0.07 pts | See points |
| Liquidity | ||||
| Core deposits | $136.0M | $137.0M | -$1.0M | -0.7% |
| Non-core funding | $31.3M | $31.2M | +$145K | +0.5% |
| Loans to core deposits | 60.57% | 61.50% | -0.92 pts | See points |
| Loans to deposits | 49.25% | 50.12% | -0.87 pts | See points |
| Brokered deposits share of deposits | 6.06% | 6.03% | +0.03 pts | See points |
| Pledged securities share of securities | 8.32% | 8.22% | +0.10 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $31.3M | $31.2M | +$145K | +0.5% |
| Earnings | ||||
| Earnings before provision, year to date | $436K | $255K | +$181K | +71.0% |
| Earnings before provision, single quarter | $181K | $255K | -$74K | -29.0% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 6.46% | 6.31% | +0.15 pts | See points |
| Yield on interest-bearing balances due from banks | 2.72% | 2.52% | +0.21 pts | See points |
| Total interest income to average assets | 4.43% | 4.34% | +0.09 pts | See points |
| Cost of interest-bearing transaction accounts | 0.27% | 0.36% | -0.08 pts | See points |
| Cost of savings and money market deposits | 0.28% | 0.27% | +0.01 pts | See points |
| Cost of time deposits | 3.14% | 3.16% | -0.02 pts | See points |
| Total interest expense to average assets | 1.26% | 1.30% | -0.04 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $193M | $162M | $79M | -0.76% | -6.41% | 3.37% |
| 2026-06-30 | $189M | $167M | $81M | 0.39% | 3.61% | 3.36% |
| 2026-03-31 | $190M | $168M | $83M | 0.45% | 4.18% | 3.32% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| VA | $171.1M | 0.05% | 77 | Continuing · -0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.