Highlands Bank

Petersburg, WV · FDIC Certificate #11953 · Chartered 08/0

Total assets

$407.14M

Total deposits

$356.81M

Total equity

$43.22M

Net loans

$306.12M

Branches (offices)

Net income (YTD)

$2.55M

Rank: #2,043 of 4,213 U.S. banks by assets · #15 of 41 in West Virginia. Assets changed 8.0% and deposits 9.8% over the year to June 30, 2026.

Key ratios

Return on assets (YTD, annualized by FDIC)	1.27%
Return on equity	11.95%
Net interest margin (YTD)	4.40%
Equity to assets	10.62%
Tier 1 leverage ratio	11.00%
Uninsured deposits (share of deposits)	18.3%
Noncurrent loans (share of loans)	0.91%
Net charge-offs (share of loans)	-0.00%
Loans to deposits	85.8%
Real estate loans (share of loans)	88.8%

Loan mix

Category	Amount	Share
Real estate loans	$271.79M	88.8%
Commercial & industrial	$18.37M	6.0%
Consumer / individual	$13.56M	4.4%
Construction & development	$28.80M	9.4%
Agricultural	$1.09M	0.4%

Five-year trend (June snapshots)

Period	Total assets	Deposits	Net income (year to date)	Equity / net worth
Jun 2022	$323.06M	$282.78M	$1.25M	$33.45M
Jun 2023	$326.83M	$280.66M	$1.13M	$33.08M
Jun 2024	$345.17M	$291.70M	$1.43M	$35.26M
Jun 2025	$376.85M	$324.88M	$1.84M	$39.57M
Jun 2026	$407.14M	$356.81M	$2.55M	$43.22M

Where its branch deposits sit (FDIC Summary of Deposits)

State	Branch deposits	Offices
West Virginia	$356.81M	7

Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $356.81M.

Similar-sized banks

The First National Bank Of Elmer ($407.77M) · Bank Of The Bluegrass And Trust Company ($406.97M)

Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.