TellerScore

Headquartered in Hastings, Michigan, Highpoint Community Bank is a state-chartered bank with $592.4M in total assets and $540.0M in deposits as of Q2 2026. It operates 7 offices. Its charter dates back to 1886.

Highpoint Community Bank has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 31% of its 2,650 banks with $100 million – $1 billion. Among 72 banks headquartered in Michigan, it ranks 37th. Loan quality contributes the most (99/100, 0.04%); capital cushion contributes the least (35/100, 8.45%).

TellerScore · Q2 2026

Scorecard

Capital cushion35/100
Tier 1 leverage ratio: 8.45%
Loan quality99/100
Noncurrent loans ÷ total loans: 0.04%
Earnings52/100
Return on assets (annualized): 0.80%
Funding & liquidity69/100
Loans ÷ deposits and uninsured-deposit share: 68.1% · 36.3% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.30%

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 2 points (64 → 66), mostly because the capital cushion component improved by 10 points.

TellerScore
626567Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202465
Q3 202464
Q4 202463
Q1 202562
Q2 202564
Q3 202565
Q4 202567
Q1 202664
Q2 202666
Tier 1 leverage ratio
5.00%6.73%8.45%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20247.42%
Q3 20247.57%
Q4 20246.85%
Q1 20257.20%
Q2 20257.49%
Q3 20257.64%
Q4 20258.19%
Q1 20268.25%
Q2 20268.45%
Noncurrent loans
0.04%0.07%0.10%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.10%
Q3 20240.06%
Q4 20240.06%
Q1 20250.06%
Q2 20250.05%
Q3 20250.06%
Q4 20250.05%
Q1 20260.04%
Q2 20260.04%
Return on assets
0.70%0.89%1.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.07%
Q3 20240.96%
Q4 20241.03%
Q1 20250.82%
Q2 20250.99%
Q3 20251.08%
Q4 20251.00%
Q1 20260.70%
Q2 20260.80%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$592.4M8.45%0.04%0.80%68.1%
Q1 202664$597.2M8.25%0.04%0.70%67.0%
Q4 202567$589.7M8.19%0.05%1.00%65.8%
Q3 202565$596.1M7.64%0.06%1.08%64.4%
Q2 202564$659.1M7.49%0.05%0.99%56.1%
Q1 202562$638.5M7.20%0.06%0.82%56.9%
Q4 202463$627.9M6.85%0.06%1.03%56.3%
Q3 202464$637.4M7.57%0.06%0.96%53.9%
Q2 202465$539.8M7.42%0.10%1.07%64.1%

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 ratio8.45%
6th
Total risk-based capital15.93%
73rd
Problem loans0.04%
80th
Net charge-offs-0.00%
78th
Return on assets0.80%
23rd
Net interest margin3.37%
22nd
Efficiency ratio73.1%
24th
Loans to deposits68.1%
72nd
Uninsured deposits36.3%
15th
Loan-loss reserves1.14%
43rd
Texas ratio0.3%
81st

Similar-size banks in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens State BankBank Royal Oak, MI70 out of 100, Strong$581.0M8.6%0.18%vs
Range BankBank Marquette, MI80 out of 100, Strong$604.1M10.8%0.03%vs
First Bank, Upper MichiganBank Gladstone, MI81 out of 100, Strong$629.5M12.7%0.63%vs
Eastern Michigan BankBank Croswell, MI79 out of 100, Strong$553.6M12.0%0.63%vs
Commercial BankBank Ithaca, MI75 out of 100, Strong$552.7M10.9%0.39%vs
Tri-County BankBank Brown City, MI78 out of 100, Strong$638.6M13.6%1.30%vs

Deposit insurance

Is my money safe at Highpoint Community Bank?

Yes. Highpoint Community Bank is an FDIC-insured institution (FDIC certificate #11407). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 36.3% of deposits ($196.0M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.45%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.93% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

Highpoint Community Bank lists 6 offices in 6 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Highpoint Community Bank reported 102 home-loan applications under HMDA (LEI 254900VOHINLR793U293): 96 originated ($25,570,000 total), 1 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.0%, 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
Highpoint Community Bank
Former names
The Hastings City Bank
Type
State-chartered bank
FDIC certificate #
11407
RSSD ID
750341
Primary regulator
FDIC
Holding company
Hcb Financial Corp
Established
January 1, 1886
Headquarters
150 W Court St, Hastings, MI 49058
Employees
70

Quick answers

Highpoint Community Bank: common questions

Is Highpoint Community Bank FDIC insured?

Yes. Highpoint Community Bank is an FDIC-insured institution (FDIC certificate #11407). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Highpoint Community Bank's TellerScore?

66 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 Highpoint Community Bank ever failed?

There is no failure record for FDIC certificate #11407 in the FDIC failed bank list.

How many branches does Highpoint Community Bank have?

7 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Hastings

InstitutionScoreAssetsCapitalProblem loansCompare
Total Community Credit UnionCredit union Taylor, MI97 out of 100, Very strong$111.3M15.3%0.36%vs
Allegheny Central Federal Credit UnionCredit union Dunbar, PA95 out of 100, Very strong$8.2M20.8%0.18%vs
Kellogg Community Credit UnionCredit union Battle Creek, MI88 out of 100, Very strong$1.0B16.7%0.41%vs
Preferred Credit UnionCredit union Grand Rapids, MI87 out of 100, Very strong$318.1M14.3%0.37%vs
Blue Water Federal Credit UnionCredit union Port Huron, MI86 out of 100, Very strong$20.4M14.4%0.23%vs
Wmcu Credit UnionCredit union Grand Rapids, MI84 out of 100, Strong$455.3M17.3%0.92%vs