🏦Bank Scorer

HIGHPOINT COMMUNITY BANK

HASTINGS, MI · Supervised by FDIC

Est. 1886FDIC #11,407RSSD: FDIC-11407
Part ofHCB FINANCIAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: February 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.70%

Institution Profile

FDIC BankFind

Address

150 W Court St, HASTINGS, MI

County

Barry County

Established

January 1, 1886

Total Assets

$597M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

February 1, 2024

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Feb 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$597M

Total Deposits

$546M

Net Loans

$366M

Net Income

$1M

ROA

0.70%

ROE

8.80%

Risk-Based Capital

15.83%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate2.15%Peer avg: 7.63%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

6

Branch Deposits

$605M

1-Year Change

0

5-year net change: -1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20249386.02%2.15%
20239586.32%7.37%
202212185.12%3.31%
202123778.9%5.06%
202035684.27%1.12%
201919286.46%2.08%
201818586.49%1.62%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

9 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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