BlastPoint's Banking Scorecard
Highlands Community Bank
Micro
Specialty: Other
VA
FDIC cert 57420
Designations: ✓ Community bank
Covington, VA
2498
banks in Micro tier nationally
18 in VA
View Micro leaderboard (VA) →
Highlands Community Bank shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$189.7M
-2.9% YoY
+0.2% QoQ
|
-$27.7M |
$217.5M
+2.3% YoY
|
$17.5B
+24.6% YoY
|
$5.9B
+6.5% YoY
|
49% |
| Total Loans ? |
$86.0M
-14.4% YoY
-3.2% QoQ
|
-$53.2M |
$139.2M
+2.8% YoY
|
$10.7B
+28.4% YoY
|
$3.1B
+8.5% YoY
|
37% |
| Total Deposits ? |
$165.2M
-6.7% YoY
-1.7% QoQ
|
-$18.5M |
$183.7M
+1.8% YoY
|
$13.8B
+21.4% YoY
|
$4.7B
+6.3% YoY
|
50% |
| Return on Assets ? |
0.28%
+233.5% YoY
+10.9% QoQ
|
-0.81% |
1.08%
+14.7% YoY
|
0.94%
+24.9% YoY
|
1.12%
+15.6% YoY
|
Bottom 12% in tier |
| Net Interest Margin ? |
3.28%
+8.8% YoY
-0.2% QoQ
|
-0.57% |
3.85%
+6.6% YoY
|
3.66%
+9.0% YoY
|
3.75%
+7.1% YoY
|
25% |
| Efficiency Ratio ? |
87.32%
-3.1% YoY
+0.3% QoQ
|
+19.59% |
67.73%
-4.8% YoY
|
66.70%
-6.7% YoY
|
65.09%
-5.1% YoY
|
Bottom 11% in tier |
| Delinquency Rate ? |
1.83%
+66.7% YoY
+15.9% QoQ
|
+1.19% |
0.64%
+24.4% YoY
|
0.75%
+37.7% YoY
|
0.66%
+20.3% YoY
|
Bottom 15% in tier |
| Loan-to-Deposit Ratio ? |
52.05%
-8.3% YoY
-1.5% QoQ
|
-22.48% |
74.53%
+0.5% YoY
|
79.98%
+0.8% YoY
|
78.04%
+0.7% YoY
|
Top 15% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.26%
+9.7% YoY
-1.0% QoQ
|
+2.87% |
22.39%
-1.3% YoY
|
24.23%
+0.2% YoY
|
21.79%
-1.3% YoY
|
64% |
| Nonperforming Asset Ratio ? |
0.83%
+46.9% YoY
+11.9% QoQ
|
+0.38% |
0.45%
+25.1% YoY
|
0.53%
+39.4% YoY
|
0.48%
+20.8% YoY
|
24% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.48%
+7.9% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.44%
-0.4% YoY
+33.1% QoQ
|
-0.12% |
0.56%
+0.3% YoY
|
0.64%
-0.2% YoY
|
0.65%
+0.6% YoY
|
61% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
85
85th pctile
Loan-to-Deposit Ratio
Current: 52.05% · Tier avg: 74.53%
64
64th pctile
Non-Interest-Bearing Deposit Share
Current: 25.26% · Tier avg: 22.39%
61
61th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Total Deposits
Current: $165.2M · Tier avg: $183.7M
49
49th pctile
Total Assets
Current: $189.7M · Tier avg: $217.5M
37
37th pctile
Total Loans
Current: $86.0M · Tier avg: $139.2M
25
25th pctile
Net Interest Margin
Current: 3.28% · Tier avg: 3.85%
24
24th pctile
Nonperforming Asset Ratio
Current: 0.83% · Tier avg: 0.45%
15
15th pctile
Delinquency Rate
Current: 1.83% · Tier avg: 0.64%
12
12th pctile
Return on Assets
Current: 0.28% · Tier avg: 1.08%
11
11th pctile
Efficiency Ratio
Current: 87.32% · Tier avg: 67.73%
Top Weaknesses
11
11th pctile
Efficiency Ratio
Current: 87.32% · Tier avg: 67.73%
12
12th pctile
Return on Assets
Current: 0.28% · Tier avg: 1.08%
15
15th pctile
Delinquency Rate
Current: 1.83% · Tier avg: 0.64%
24
24th pctile
Nonperforming Asset Ratio
Current: 0.83% · Tier avg: 0.45%
25
25th pctile
Net Interest Margin
Current: 3.28% · Tier avg: 3.85%
37
37th pctile
Total Loans
Current: $86.0M · Tier avg: $139.2M
49
49th pctile
Total Assets
Current: $189.7M · Tier avg: $217.5M
50
50th pctile
Total Deposits
Current: $165.2M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
61
61th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.56%
64
64th pctile
Non-Interest-Bearing Deposit Share
Current: 25.26% · Tier avg: 22.39%
85
85th pctile
Loan-to-Deposit Ratio
Current: 52.05% · Tier avg: 74.53%