Highlands Bank: how it compares with its peers
Against 21 WV banks with half to twice its assets, Highlands Bank's strongest measure in Q2 2026 is net interest margin (4.40% vs. a 3.81% peer median). Its weakest relative measure is assets per employee ($5.0M vs. $6.1M).
| Measure | Highlands Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.27% | 1.03% | Middle third Ahead of 62% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.40% | 3.81% | Top third Ahead of 81% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 64.17% | 64.24% | Middle third Ahead of 52% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.0M | $6.1M | Bottom third Ahead of 24% of peers |
| Loans to deposits Net loans and leases over total deposits. | 85.79% | 81.48% | Context |
What it means for lending operations
Its efficiency ratio of 64.17% is better than the 64.24% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First Exchange Bank White Hall, WV · $391M
- Freedom Bank, Inc. Belington, WV · $430M
- The Bank of Romney Romney, WV · $369M
- Logan Bank & Trust Company Logan, WV · $359M
- MCNB Bank and Trust Co. Welch, WV · $357M
- Community Bank of Parkersburg Parkersburg, WV · $340M
Questions about Highlands Bank
How big is Highlands Bank?
Highlands Bank, established in 1902, is headquartered in Petersburg, WV. It reported $407M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is Highlands Bank's return on assets?
1.27% annualized in Q2 2026, against a 1.03% median for 21 WV banks with half to twice its assets, ahead of 62% of them.
What is Highlands Bank's efficiency ratio?
64.17% in Q2 2026: it spent about 64 cents in noninterest expense for each dollar of revenue. The peer median is 64.24%, and lower is better.
Is Highlands Bank growing its loans?
Net loans grew 6.6% over the year to Q2 2026, while deposits grew 9.8%.
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 WV 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 West Virginia bank ranked.