Highlands Community Bank: how it compares with its peers
Against 12 VA banks with half to twice its assets, Highlands Community Bank's strongest measure in Q2 2026 is assets per employee ($5.9M vs. a $6.4M peer median). Its weakest relative measure is net interest margin (3.36% vs. 3.78%).
| Measure | Highlands Community Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.39% | 1.09% | Bottom third Ahead of 25% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.36% | 3.78% | Bottom third Ahead of 17% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 87.10% | 65.97% | Bottom third Ahead of 25% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.9M | $6.4M | Bottom third Ahead of 33% of peers |
| Loans to deposits Net loans and leases over total deposits. | 48.58% | 78.48% | Context |
What it means for lending operations
Its efficiency ratio of 87.10% is above the 65.97% 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
- Farmers and Miners Bank Pennington Gap, VA · $193M
- Movement Bank Danville, VA · $165M
- The Bank of Charlotte County Phenix, VA · $223M
- CornerStone Bank Lexington, VA · $233M
- Community Bankers' Bank Midlothian, VA · $139M
- Lee Bank and Trust Company Pennington Gap, VA · $257M
Questions about Highlands Community Bank
How big is Highlands Community Bank?
Highlands Community Bank, established in 2002, is headquartered in Covington, VA. It reported $189M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Highlands Community Bank's return on assets?
0.39% annualized in Q2 2026, against a 1.09% median for 12 VA banks with half to twice its assets, ahead of 25% of them.
What is Highlands Community Bank's efficiency ratio?
87.10% in Q2 2026: it spent about 87 cents in noninterest expense for each dollar of revenue. The peer median is 65.97%, and lower is better.
Is Highlands Community Bank growing its loans?
Net loans shrank 13.4% over the year to Q2 2026, while deposits shrank 2.2%.
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 VA 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 Virginia bank ranked.