HCB FINANCIAL CORP is the bank holding company. HIGHPOINT COMMUNITY BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

FHD

HCB FINANCIAL CORP

Legal name: HCB FINANCIAL CORP.

1 active bank · $597M combined assets

RSSD ID: 1136287 (FFIEC NIC)

Combined Assets

$597M

CRA Rating Summary

Satisfactory1charter

Across all 10 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankHIGHPOINT COMMUNITY BANKHASTINGS, MISatisfactory$597MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$597M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$546M

Net Income

$1M

ROA (avg)

0.7%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

Origination Rate

86.02%

Denial Rate

2.15%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
HIGHPOINT COMMUNITY BANK	HASTINGS, MI	FDIC	$597M	100.0%	Satisfactory	Feb 2024

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.