Highpoint Community Bank (FDIC #11407): Bank Stress & Real-Estate Credit Exposure
Highpoint Community Bank (FDIC Cert #11407): bank stress 81/100, severe, STABLE over 7 days; parent HCB FINANCIAL CORP.
Highpoint Community Bank (#11407) lends in 4 counties across 1 state; Highpoint Community Bank (#11407) reaches 89 ZIP codes: Michigan 4 counties, 89 ZIPs.
Highpoint Community Bank (#11407) largest markets: Kent County, MI (39 branches, 39 ZIPs) (#11407), Allegan County, MI (25 branches, 25 ZIPs) (#11407), Calhoun County, MI (22 branches, 22 ZIPs) (#11407), Barry County, MI (45 branches, 15 ZIPs) (#11407).
Highpoint Community Bank (#11407) reports $592.4 million in total assets; Highpoint Community Bank (#11407) equity $48.9 million (8.3% of Highpoint Community Bank (#11407) assets); Highpoint Community Bank (#11407) domestic deposits $540.0 million; Highpoint Community Bank (#11407) net income $2.4 million; Highpoint Community Bank (#11407) return on assets 0.80%; Highpoint Community Bank (#11407) return on equity 9.91%; Highpoint Community Bank (#11407) net interest income $9.4 million; Highpoint Community Bank (#11407) call report June 30, 2026.
Highpoint Community Bank (#11407) noncurrent real-estate loans: none reported; Highpoint Community Bank (#11407) net charge-offs on real estate 0.05%.
Highpoint Community Bank (#11407) net interest margin 3.37% against an eight-quarter Highpoint Community Bank (#11407) average of 3.25% (Highpoint Community Bank (#11407) compression -0.11 points); Highpoint Community Bank (#11407) rate-exposure score 40/100, Highpoint Community Bank (#11407) fixed-rate trap 40/100; Highpoint Community Bank (#11407) risk type credit driven; Highpoint Community Bank (#11407) rate regime rates elevated, Highpoint Community Bank (#11407) snapshot October 19, 2026.
Highpoint Community Bank (#11407) stress score moved from 82.1 on June 22, 2026 to 80.6 on October 19, 2026; Highpoint Community Bank (#11407) ranged 80.6 to 82.1 over 116 snapshots.
Highpoint Community Bank (#11407) alerts: 4 counties; top Highpoint Community Bank (#11407) alert scores: Caledonia County, MI 27 (low); Marshall County, MI 27 (low); Nashville County, MI 27 (low); Wayland County, MI 27 (low).