| Weiss Ratings |
Highlands Community Bank
Covington, VA |
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| Rating | ||||
| Asset Quality Index | 6.50 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 4.10 | |||
| Profitability Index | 2.10 | |||
| Stability Index | 4.80 | |||
| Company Info |
Highlands Community Bank
Covington, VA |
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| FDIC Number | 57420 | |||
| Phone Number | (540) 962-2265 | |||
| Website | www.hc.bank | |||
| Asset Quality |
Highlands Community Bank
Covington, VA |
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| 1-Year Asset Growth | -5.60% | |||
| 5-Year Asset Growth | 5.60% | |||
| 5-Year Charge-Offs to Average Loans | 0.36% | |||
| Charge-Offs to Average Loans | 0.40% | |||
| Non-Performing Assets to Assets | 0.74% | |||
| Non-Performing Loans to Capital | 5.65% | |||
| Non-Performing Loans to Loans | 1.56% | |||
| Balance Sheet |
Highlands Community Bank
Covington, VA |
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| Total Assets | 189.28M | |||
| Total Deposits | 168.04M | |||
| Capital and Reserves |
Highlands Community Bank
Covington, VA |
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| Capital | 20.15M | |||
| Leverage Ratio | 12.31 | |||
| Loan Loss Reserves to Loans | 1.43% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Highlands Community Bank
Covington, VA |
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| Hot Money Ratio | 30.97% | |||
| Liquidity Ratio | 48.91% | |||
| Profitability |
Highlands Community Bank
Covington, VA |
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| 5-Year Return on Average Assets | 0.72% | |||
| Net Income | 360.00K | |||
| Net Interest Spread | 3.20% | |||
| Operating Profit to Average Assets | 0.29% | |||
| Overhead Efficiency Ratio | 87.02% | |||
| Return on Assets | 0.25% | |||
| Return on Equity | 2.55% | |||