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Highlands Community Bank

Highlands Community Bank is an FDIC insured institution headquartered at 307 Thacker Ave, Covington, VA 24426.
It was founded in 2002 and has approximately $0 billion in assets. Customers can open an account at one of its 2 branches.

Deposit Rates - August 21, 2026

SAVINGS RATES	APY	MIN
Savings	0.15%	$2,500	Compare

CD RATES	APY	MIN
6 Mo CD	0.40%	$10,000	Compare
6 Mo CD	0.40%	$100,000	Compare
12 Mo CD	0.50%	$10,000	Compare
12 Mo CD	0.50%	$100,000	Compare
18 Mo CD	0.65%	$10,000	Compare
18 Mo CD	0.65%	$100,000	Compare
24 Mo CD	0.75%	$10,000	Compare
24 Mo CD	0.75%	$100,000	Compare
36 Mo CD	0.85%	$10,000	Compare
36 Mo CD	0.85%	$100,000	Compare
60 Mo CD	1.00%	$10,000	Compare
60 Mo CD	1.00%	$100,000	Compare

MM RATES	APY	MIN
Money Market	0.20%	$2,500	Compare
Money Market	0.20%	$10,000	Compare
Money Market	0.25%	$25,000	Compare

INT CHECKING RATES	APY	MIN
Int Ckg	0.05%	$2,500

Overview 2026

General Bank Information

FDIC Insured	Yes
FDIC Certificate	# 57420
Date Established	2002
Assets	$ 189.75 million
Loans	$ 85.97 million
Deposits	$ 165.18 million
Capital	$ 20.49 million

Summary Balance Sheet as of December 31, 2025

ASSETS
Cash & Balances due from depository institutions	$ 5.81 million
Interest-bearing balances	$ 3.53 million
Total securities	$ 86.92 million
Federal funds sold and reverse repurchase	N.A.
Net loans and leases	$ 85.97 million
Loan loss allowance	$ 1.24 million
Trading account assets	N.A.
Bank premises and fixed assets	N.A.
Other real estate owned	N.A.
Goodwill and other intangibles	$ 0.02 million
All other assets	$ 8.32 million
Total Assets	$ 169.26 million

LIABILITIES
Total deposits	$ 165.18 million
Interest-bearing deposits	$ 123.45 million
Deposits held in domestic offices	$ 165.18 million
% insured (estimated)"	82.78%
Federal funds purchased and repurchase agreements	N.A.
Trading liabilities	N.A.
Other borrowed funds	$ 0.02 million
Subordinated debt	N.A.
All other liabilities	$ 0.55 millionn
Total Liabilities	$ 169.26 million
Shareholders’ Equity	$ 20.49 million

Summary Income Statement as of December 31, 2025

INCOME AND EXPENSES
Total Interest Income	$ 8.29 million
Total Interest Expense	$ 2.44 million
Net interest income	$ 5.86 million
Provision for loan and lease losses	$ 0.15 million
Total non interest income	$ 0.83 million
Total non interest expense	$ 5.84 million
Pre-tax Net Operating Income	$ 1.05 million

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