Highpoint Community Bank: how it compares with its peers
Against 34 MI banks with half to twice its assets, Highpoint Community Bank's strongest measure in Q2 2026 is assets per employee ($8.5M vs. a $6.0M peer median). Its weakest relative measure is net interest margin (3.37% vs. 4.13%).
| Measure | Highpoint Community Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.80% | 1.29% | Bottom third Ahead of 21% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.37% | 4.13% | Bottom third Ahead of 12% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 73.08% | 62.91% | Bottom third Ahead of 29% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.5M | $6.0M | Top third Ahead of 91% of peers |
| Loans to deposits Net loans and leases over total deposits. | 68.10% | 76.66% | Context |
What it means for lending operations
Its efficiency ratio of 73.08% is above the 62.91% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Citizens State Bank Royal Oak, MI · $581M
- Range Bank Marquette, MI · $604M
- First Bank, Upper Michigan Gladstone, MI · $629M
- Eastern Michigan Bank Croswell, MI · $554M
- Commercial Bank Ithaca, MI · $553M
- Tri-County Bank Brown City, MI · $639M
Questions about Highpoint Community Bank
How big is Highpoint Community Bank?
Highpoint Community Bank, established in 1886, is headquartered in Hastings, MI. It reported $592M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is Highpoint Community Bank's return on assets?
0.80% annualized in Q2 2026, against a 1.29% median for 34 MI banks with half to twice its assets, ahead of 21% of them.
What is Highpoint Community Bank's efficiency ratio?
73.08% in Q2 2026: it spent about 73 cents in noninterest expense for each dollar of revenue. The peer median is 62.91%, and lower is better.
Is Highpoint Community Bank growing its loans?
Net loans grew 8.2% over the year to Q2 2026, while deposits shrank 10.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MI banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Michigan bank ranked.