| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.4% | +4.4% | -5.7 pts |
| Deposit growth (YoY) | -2.2% | +4.0% | -6.2 pts |
| Loan growth (YoY) | -13.4% | +5.6% | -19.0 pts |
| ROA | 0.39% | 1.24% | -0.9 pts |
| ROE | 3.6% | 11.9% | -8.3 pts |
ROA ranks in the 10th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $188.9M | $167.3M | $81.3M | $20.4M | $368K | 0.39% | 3.36% | 1.10% |
| Q1 2026 | $189.7M | $168.2M | $83.0M | $20.3M | $213K | 0.45% | 3.32% | 0.98% |
| Q4 2025 | $189.7M | $165.2M | $86.0M | $20.5M | $531K | 0.28% | 3.28% | 0.83% |
| Q3 2025 | $189.3M | $168.0M | $88.8M | $20.1M | $360K | 0.25% | 3.29% | 0.74% |
| Q2 2025 | $191.6M | $171.1M | $93.8M | $19.2M | $233K | 0.24% | 3.25% | 0.75% |
| Q1 2025 | $191.8M | $172.2M | $98.0M | $18.5M | $104K | 0.21% | 3.20% | 0.64% |
| Q4 2024 | $195.4M | $177.0M | $100.5M | $17.4M | $166K | 0.08% | 3.02% | 0.56% |
| Q3 2024 | $200.5M | $180.6M | $103.5M | $19.0M | $147K | 0.10% | 3.00% | 0.57% |
Loan mix (Q2 2026): real estate $56.6M · commercial $12.4M · consumer $10.2M · securities $86.7M
| Ratio | Highlands Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.39% | 1.24% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | 3.6% | 11.9% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.36% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.1% | 62.9% | 92nd |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Highlands Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Highlands Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Highlands Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Highlands Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Highlands Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
3 branches in 3 counties across 1 state (+0 vs 2025) · $167.3M branch deposits. Biggest market: Covington (City), VA, ranked 1st with 28.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Covington (City), VA | 1 | $123.7M | 28.92% | 1st |
| Alleghany, VA | 1 | $33.8M | 23.29% | 3rd |
| Bath, VA | 1 | $9.8M | 10.38% | 3rd |
Virginia: 119th with 0.04% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3
Spends 2.6× the peer median on technology. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).