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BDI
HB

Highlands Bank

Petersburg, West VirginiaFDIC Cert #11953

STATEEstablished 19027 branches

Holding company: HIGHLANDS BANKSHARES INCRegulator: FDIC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
1.09%
+12.3%y/y
Peer standing25th percentile
Peer standing in ubpr:primary:5
FDICP3ASSET + LNLSGR
90+ %
0.11%
+88.9%y/y
Peer standing18th percentile
Peer standing in ubpr:primary:5
FDICP9ASSET + LNLSGR
Nonaccrual %
1.04%
−30.1%y/y
Peer standing24th percentile
Peer standing in ubpr:primary:5
FDICNAASSET + LNLSGR
Noncurrent %
1.15%
−25.8%y/y
Peer standing25th percentile
Peer standing in ubpr:primary:5
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
0.96%
−28.3%y/y
Peer standing20th percentile
Peer standing in ubpr:primary:5
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$3.82M
−22.3%y/y
Peer standing28th percentile
Peer standing in ubpr:primary:5
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
−0.02%
−111.1%y/y
Peer standing90th percentile
Peer standing in ubpr:primary:5
FDICNTLNLS + LNLSGR
NCO
−$13K
−111.9%y/y
Peer standing89th percentile
Peer standing in ubpr:primary:5
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
1.17%
+8.7%y/y
Percentile by value41st percentileby value
Peer standing in ubpr:primary:5
FDICLNATRES + LNLSGR
30–89
$3.31M
+20.4%y/y
Peer standing29th percentile
Peer standing in ubpr:primary:5
FDICP3ASSET
90+
$320K
+102.5%y/y
Peer standing19th percentile
Peer standing in ubpr:primary:5
FDICP9ASSET
Nonaccrual
$3.16M
−25.1%y/y
Peer standing28th percentile
Peer standing in ubpr:primary:5
FDICNAASSET