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 Highlands Community Bank
Highlands Community Bank
| RSSD ID 3125315 | CERTIFICATE 57420 | ABA NUMBER 51409171 |
| 307 Thacker Ave |
Quarter Ended : |
2025-09-30 |
| Covington, Virginia, 24426 |
Updated : |
2025-10-30 |
| www.hc.bank |
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| Institution Profile |
| Year Opened : |
2002 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FED |
| Member Federal Reserve : |
Yes |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
All Other Under 1 Billion |
| Number of Offices : |
3 |
Number of Employees : |
32 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 189,282 |
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Total Interest Income | 6,253 |
| Total Liabilities | 169,132 |
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Total NonInterest Income | 623 |
| Total Bank Equity Capital | 20,150 |
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Total Interest Expense | 1,837 |
| Total Deposits | 168,041 |
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Total NonInterest Expense | 4,385 |
| Net Loans & Leases | 88,814 |
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Net Income | 360 |
| Loan Loss Allowance | 1,284 |
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Net Charge Offs | 289 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
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Total loans | 93,316 |
| Total assets for the leverage ratio | 191,116 |
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Loans secured by real estate: | 63,144 |
| Tier 1 Leverage Ratio | 12.31 |
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Commercial and industrial loans | 12,096 |
| Off Balance Sheet Exposures (%) | 4.81 |
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Loans to individuals - Credit Cards | 0 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 14,553 |
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:· Highlands Community Bank
