Side-by-side · Q2 2026 data
Pendleton Community Bank, Inc. vs Highlands Bank
Metric by metric
| Measure | Pendleton Community Bank, Inc. | Highlands Bank |
|---|---|---|
| TellerScore | 61 | 69 (stronger) |
| Capital cushion | 37 | 60 (stronger) |
| Loan quality | 72 (stronger) | 70 |
| Earnings | 69 | 71 (stronger) |
| Funding & liquidity | 62 | 71 (stronger) |
| Problem-loan coverage | 85 | 87 (stronger) |
| Peer percentile | 20th | 40th |
| Total assets | $849.7M | $407.1M |
| Deposits / shares | $718.6M | $356.8M |
| Capital ratio | 8.67% | 11.00% (stronger) |
| Problem loans | 0.85% (stronger) | 0.91% |
| Net charge-offs | 0.22% | -0.00% (stronger) |
| Return on assets | 1.23% | 1.27% (stronger) |
| Loans ÷ deposits | 98.2% | 85.8% (stronger) |
| Uninsured deposits | 14.7% (stronger) | 18.3% |
| Offices | 15 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.0% | 10.7% |
Highlands Bank has the higher TellerScore (69 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Pendleton Community Bank, Inc. leads on 2 and Highlands Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Moorefield, WV
- Petersburg, WV