Highlands Community Bank is a bank based in Covington, Virginia, established in 2002, with $190 million in total assets across 3 branches. By Trust Grade it ranks 36th of 56 banks we track in Virginia. Its capital ratio of 10.7% is stronger than 59% of similarly sized banks, versus a Virginia median of 10.8%. It was profitable over the most recent period, with a 0.45% return on assets. No consumer complaints against Highlands Community Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Highlands Community Bank compares to Virginia peers
How we graded Highlands Community Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (10.7% capital ratio)
- Profitable (ROA 0.45%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Highlands Community Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (3)
- 307 Thacker Ave, Covington, VA 24426
- 1501 Main St, Clifton Forge, VA 24422
- 9008 Sam Snead Hwy, Hot Springs, VA 24445
Are deposits at Highlands Community Bank insured?
Yes. Highlands Community Bank is an FDIC-insured bank (FDIC certificate #57420). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Highlands Community Bank: frequently asked questions
Is Highlands Community Bank a good bank?
Highlands Community Bank earns a Bankzia Trust Grade of A (94/100, "Excellent"), based on a financial-strength score of 94/100 (it has no CFPB complaints on record). Strongly capitalized (10.7% capital ratio); Profitable (ROA 0.45%).
Is Highlands Community Bank FDIC-insured?
Yes. Highlands Community Bank is a FDIC-insured bank (FDIC certificate #57420). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Highlands Community Bank?
Highlands Community Bank holds $190 million in total assets, ranking 36th of 56 banks we track in Virginia. It operates 3 branches.
Does Highlands Community Bank have CFPB complaints?
No CFPB complaints against Highlands Community Bank appear in our data over the analysis window, which is typical for a bank of this size.
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Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
