Highlands Community Bank
Covington, VA
IDRSSD: 3125315
Total Assets
$189.75M
Latest filing
Total Deposits
$165.18M
Latest filing
Net Interest Margin
3.27%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Highlands Community Bank
307 Thacker Ave
Covington, VA 24426
Full Service - Brick and Mortar
Updated 01/30/2026Established 09/16/2002FDIC Certificate 363478
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Highlands Community Bank (Main) | 307 Thacker Ave | Covington, VA |
| HIGHLANDS COMMUNITY BANK BRANCH | 1501 Main St | Clifton Forge, VA |
| HOT SPRINGS BRANCH | 9008 Sam Snead Hwy | Hot Springs, VA |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 09/16/2002 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 24426 |
| State and County Number | 51580 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 05 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 32 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 09/16/2002 |
| Primary Insurance Agency | DIF |
| Website | www.hc.bank |
| Data Updated | 01/30/2026 |
| CERT | 57420 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $189.75M |
| Total Deposits | $165.18M |
| Total Liabilities | $169.26M |
| Total Equity Capital | $20.49M |
| Net Income | $171.00k |
| Net Loans and Leases | $85.97M |
| Assets Per Employee ($Millions) | $5.75M |
| Bank Premises and Fixed Assets | $2.07M |
| Cash and Balances due from Depository Institutions | $5.80M |
| Deposits Held in Domestic Offices | $165.18M |
Key Performance Ratios
| Return on Assets (ROA) | 0.36% |
| Return on Equity (ROE) | 3.37% |
| Net Interest Margin | 3.27% |
| Efficiency Ratio | 88.24% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.8% |
| Earning Assets to total Assets | 92.97% |
Income and Expense
| Total Interest Income | $2.04M |
| Total Noninterest Income | $208.00k |
| Total Interest Expense | $599.00k |
| Total Noninterest Expense | $1.46M |
| Net Interest Income | $1.44M |
| Pre-tax Net Operating Income | $196.00k |
| Provision for Credit Losses | $-2,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $3.04M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.04M |
| Total Liabilities and Capital | $189.75M |
Securities
| Securities | $86.92M |
| Available-for-sale debt securities | $84.92M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $2.00M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Highlands Community Bank?
$189.75M as of the latest filing.
How much are Highlands Community Bank's total deposits?
$165.18M in total deposits.
Where is Highlands Community Bank located?
Covington, VA.
What is the Net Interest Margin?
3.27%.
How many domestic offices does it operate?
3.
When was it established?
09/16/2002.
What is the Return on Assets (ROA)?
0.36%.
How much are total loans and leases?
$85.97M (latest filing).
What is the total interest income (latest filing)?
$2.04M.