TellerScore

Highlands Bank is a state-chartered bank headquartered in Petersburg, West Virginia, in business for about 124 years. At the end of Q2 2026 it reported $407.1M in total assets and $356.8M in deposits, with 7 offices.

Highlands Bank has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than only 40% of its 2,650 banks with $100 million – $1 billion. Among 40 banks headquartered in West Virginia, it ranks 26th. Problem-loan coverage contributes the most (87/100, 6.5%); capital cushion contributes the least (60/100, 11.00%).

TellerScore · Q2 2026

Scorecard

Capital cushion60/100
Tier 1 leverage ratio: 11.00%
Loan quality70/100
Noncurrent loans ÷ total loans: 0.91%
Earnings71/100
Return on assets (annualized): 1.27%
Funding & liquidity71/100
Loans ÷ deposits and uninsured-deposit share: 85.8% · 18.3% uninsured
Problem-loan coverage87/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 6.54%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 7 points (62 → 69), mostly because the loan quality component improved by 17 points.

TellerScore
606569Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202460
Q3 202461
Q4 202460
Q1 202561
Q2 202562
Q3 202563
Q4 202564
Q1 202667
Q2 202669
Tier 1 leverage ratio
5.00%8.32%11.63%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.63%
Q3 202411.54%
Q4 202411.49%
Q1 202511.30%
Q2 202511.24%
Q3 202511.42%
Q4 202510.94%
Q1 202611.07%
Q2 202611.00%
Noncurrent loans
0.91%1.30%1.70%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.69%
Q3 20241.47%
Q4 20241.70%
Q1 20251.55%
Q2 20251.40%
Q3 20251.42%
Q4 20251.17%
Q1 20261.15%
Q2 20260.91%
Return on assets
0.84%1.06%1.27%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.84%
Q3 20240.85%
Q4 20240.95%
Q1 20251.01%
Q2 20251.00%
Q3 20251.00%
Q4 20250.98%
Q1 20261.24%
Q2 20261.27%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$407.1M11.00%0.91%1.27%85.8%
Q1 202667$396.9M11.07%1.15%1.24%87.3%
Q4 202564$396.7M10.94%1.17%0.98%87.1%
Q3 202563$379.7M11.42%1.42%1.00%89.2%
Q2 202562$376.8M11.24%1.40%1.00%88.4%
Q1 202561$366.2M11.30%1.55%1.01%90.0%
Q4 202460$359.3M11.49%1.70%0.95%91.2%
Q3 202461$355.9M11.54%1.47%0.85%89.6%
Q2 202460$345.2M11.63%1.69%0.84%91.5%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.00%
50th
Total risk-based capital0.00%
24th
Problem loans0.91%
30th
Net charge-offs-0.00%
79th
Return on assets1.27%
52nd
Net interest margin4.40%
75th
Efficiency ratio64.2%
45th
Loans to deposits85.8%
36th
Uninsured deposits18.3%
71st
Loan-loss reserves1.17%
47th
Texas ratio6.5%
29th

Similar-size banks in West Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
First Exchange BankBank White Hall, WV49 out of 100, Below average$391.1M9.0%2.10%vs
Freedom Bank, Inc.Bank Belington, WV78 out of 100, Strong$429.7M11.4%0.36%vs
The Bank of RomneyBank Romney, WV74 out of 100, Strong$368.8M16.0%1.73%vs
Logan Bank & Trust CompanyBank Logan, WV85 out of 100, Very strong$359.2M11.7%0.45%vs
MCNB Bank and Trust Co.Bank Welch, WV50 out of 100, Below average$356.5M12.3%3.22%vs
Community Bank of ParkersburgBank Parkersburg, WV70 out of 100, Strong$340.3M9.9%0.40%vs

Deposit insurance

Is my money safe at Highlands Bank?

Yes. Highlands Bank is an FDIC-insured institution (FDIC certificate #11953). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 18.3% of deposits ($65.2M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.00%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

Highlands Bank lists 7 offices in 6 cities. Most locations:

  • Davis, WV (2)
  • Harman, WV (1)
  • Keyser, WV (1)
  • Moorefield, WV (1)
  • Petersburg, WV (1)
  • Riverton, WV (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Highlands Bank reported 190 home-loan applications under HMDA (LEI 254900FAEHPIBKT6SS85): 136 originated ($29,160,000 total), 19 denied, and 12 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Highlands Bank
Former names
The Grant County Bank
Type
State-chartered bank
FDIC certificate #
11953
RSSD ID
718538
Primary regulator
FDIC
Holding company
Highlands Bankshares Inc
Established
August 6, 1902
Headquarters
3 N Main St, Petersburg, WV 26847
Employees
81

Quick answers

Highlands Bank: common questions

Is Highlands Bank FDIC insured?

Yes. Highlands Bank is an FDIC-insured institution (FDIC certificate #11953). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Highlands Bank's TellerScore?

69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Highlands Bank ever failed?

There is no failure record for FDIC certificate #11953 in the FDIC failed bank list.

How many branches does Highlands Bank have?

7 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Petersburg

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens Bank of West Virginia, Inc.Bank Elkins, WV74 out of 100, Strong$772.5M10.0%0.58%vs
Park View Federal Credit UnionCredit union Harrisonburg, VA71 out of 100, Strong$409.6M10.1%0.05%vs
Burke & Herbert Bank & Trust CompanyBank Alexandria, VA65 out of 100, Moderate$11.0B12.3%1.19%vs
Pendleton Community Bank, Inc.Bank Franklin, WV61 out of 100, Moderate$849.7M8.7%0.85%vs
Capon Valley BankBank Wardensville, WV61 out of 100, Moderate$244.2M9.7%1.27%vs