Total Assets
$190M
Total balance-sheet footings
FDIC Cert #57420 · Covington, Virginia · Est. 2002
Highlands Community Bank - FDIC Bank Health Profile
A community-scale look at Highlands Community Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $190M
- Total assets
- C
- Health grade · Fair
- 0.28%
- Return on assets
- 12.5%
- Tier 1 capital
Data updated July 2026
The verdict
Highlands Community Bank earns a PlainBankData health grade of C (58/100), with well-capitalized at 12.46% Tier 1, 0.28% ROA, 87% efficiency ratio.
- #3,082
- largest of 4,313 FDIC banks by assets
- 29th
- percentile by asset size, nationally
- 12.46%
- Tier 1 ratio - above the 10% well-capitalized line
- 9th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Highlands Community Bank's 58/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Highlands Community Bank's composite health score
Tier 1 Capital Ratio (12.46%) 35/40
Return on Assets (ROA) (0.28%) 7/25
Texas Ratio (7.24%) 16/20
Efficiency Ratio (87.32%) 0/15
58 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$165M
Customer-funded liabilities
Net Loans
$86M
Outstanding loan book
Net Income
$531K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Highlands Community Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Highlands Community Bank's score of 58/100 falls in the highlighted band.
Highlands Community Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Highlands Community Bank's $190M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.46% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.46%
Texas Ratio
7.24%
Equity Capital
$20M
Profitability metrics
Return on Assets (ROA)
9th percentile nationally
0.28%
Return on Equity (ROE)
2.77%
Efficiency Ratio
87.32%
What the numbers say about Highlands Community Bank
Highlands Community Bank is an FDIC-insured institution (Certificate #57420) headquartered in Covington, Virginia, established in 2002. It holds $190M in total assets - 3,082nd of 4,313 FDIC-insured banks, $165M in customer deposits, and $86M in net loans. Capital-wise, the Tier 1 ratio sits at 12.46%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 7.24%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of C (58 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Highlands Community Bank sits 48th of 56 banks headquartered in Virginia by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$8M
Interest Income
$831K
Non-Interest Income
$6M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Highlands Community Bank reports a Texas Ratio of 7.24% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
7.24% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Virginia by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Highlands Community Bank (FDIC Cert #57420) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Virginia
All Virginia banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Capital One, National AssociationMclean | $658.5B | B | 0.55% |
| HSBC Bank USA, National AssociationTysons | $165.3B | A | 0.92% |
| Atlantic Union BankRichmond City | $37.5B | A | 0.99% |
| United BankFairfax | $33.5B | A | 1.50% |
| TowneBankPortsmouth | $19.7B | B | 0.90% |
| Burke & Herbert Bank & Trust CompanyAlexandria | $7.9B | A | 1.69% |
| Carter Bank & TrustMartinsville | $4.8B | D | 0.72% |
| The First Bank and Trust CompanyLebanon | $4.2B | A | 1.62% |
Frequently asked questions
What is Highlands Community Bank's health grade?▼
Highlands Community Bank receives a health grade of C (58/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Highlands Community Bank?▼
Highlands Community Bank holds $190M in total assets and $165M in deposits, ranking 3,082nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Covington, Virginia.
Is my money safe at Highlands Community Bank?▼
Yes, deposits at Highlands Community Bank (Certificate #57420) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Highlands Community Bank's Tier 1 Capital Ratio?▼
Highlands Community Bank has a Tier 1 Capital Ratio of 12.46%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Highlands Community Bank?▼
Highlands Community Bank has a Texas Ratio of 7.24%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Highlands Community Bank?▼
Highlands Community Bank has an Efficiency Ratio of 87.32%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Highlands Community Bank's profile as a depositor or analyst.
- Highlands Community Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Highlands Community Bank against other Virginia banks before moving funds. Virginia banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.