Legal name: HIGHLANDS BANKSHARES, INC.
2 active banks · 1 merged/absorbed · $637M combined assets
RSSD ID: 1131750 (FFIEC NIC)
Combined Assets
$637M
CRA Rating Summary
Across all 16 exams on record for this banking group's charters, 88% resulted in Outstanding or Satisfactory.
At a Glance
Dominant CRA Rating
Satisfactory
2 of 2 banks · Meets expectations for community lending
Combined Assets
$637M
2 active banks
Aggregated from the most recent call report filings for all active charters.
Total Deposits
$557M
Net Income
$2M
ROA (avg)
1.15%
asset-weighted avg
Aggregated HMDA data across all active charters for 2024.
Applications
85
Origination Rate
96.47%
Denial Rate
2.35%
Each charter is examined independently for CRA compliance.
| Charter | Location | Regulator | Assets | Ownership | Current Rating | Exam Date |
|---|---|---|---|---|---|---|
| THE GRANT COUNTY BANK | PETERSBURG, WV | FDIC | $397M | 100.0% | Satisfactory | Dec 2021 |
| CAPON VALLEY BANK | WARDENSVILLE, WV | FDIC | $240M | 100.0% | Satisfactory | Jul 2024 |
CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.