Highlands Community Bank (FDIC #57420): Bank Stress & Real-Estate Credit Exposure
Highlands Community Bank (FDIC Cert #57420): bank stress 80/100, severe, STABLE over 7 days.
Highlands Community Bank (#57420) lends in 3 counties across 1 state; Highlands Community Bank (#57420) reaches 12 ZIP codes: Virginia 3 counties, 12 ZIPs.
Highlands Community Bank (#57420) largest markets: Alleghany County, VA (7 branches, 7 ZIPs) (#57420), Bath County, VA (7 branches, 7 ZIPs) (#57420), Covington County, VA (1 branch, 1 ZIPs) (#57420).
Highlands Community Bank (#57420) reports $188.9 million in total assets; Highlands Community Bank (#57420) equity $20.4 million (10.8% of Highlands Community Bank (#57420) assets); Highlands Community Bank (#57420) domestic deposits $167.3 million; Highlands Community Bank (#57420) net income $368,000; Highlands Community Bank (#57420) return on assets 0.39%; Highlands Community Bank (#57420) return on equity 3.61%; Highlands Community Bank (#57420) net interest income $3.0 million; Highlands Community Bank (#57420) call report June 30, 2026.
Highlands Community Bank (#57420) noncurrent real-estate loans: none reported; Highlands Community Bank (#57420) net charge-offs on real estate 2.84%; Highlands Community Bank (#57420) residential charge-offs 0.92%.
Highlands Community Bank (#57420) net interest margin 3.36% against an eight-quarter Highlands Community Bank (#57420) average of 3.21% (Highlands Community Bank (#57420) compression -0.14 points); Highlands Community Bank (#57420) non-residential real estate 91.9% of equity; Highlands Community Bank (#57420) rate-exposure score 40/100, Highlands Community Bank (#57420) fixed-rate trap 40/100; Highlands Community Bank (#57420) risk type credit driven; Highlands Community Bank (#57420) rate regime rates elevated, Highlands Community Bank (#57420) snapshot October 19, 2026.
Highlands Community Bank (#57420) stress score moved from 77.3 on June 22, 2026 to 79.9 on October 19, 2026; Highlands Community Bank (#57420) ranged 77.3 to 79.9 over 116 snapshots.
Highlands Community Bank (#57420) alerts: 3 counties; top Highlands Community Bank (#57420) alert scores: Covington County, VA 42 (moderate); Clifton Forge County, VA 25 (low); Hot Springs County, VA 25 (low).