Highlands Bank

Petersburg, West VirginiaFDIC Cert #11953

STATEEstablished 19027 branches

Holding company: HIGHLANDS BANKSHARES INCRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$84.3M
Investor CRE	$21.2M
Multifamily	$9.5M
Construction	$28.7M
1–4 family	$114M
C&I	$18.5M
Agriculture	$8.87M
Other	$18.4M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$303M

+7.2%y/y

Percentile by value40th percentileby value

FDICLNLSGR

Net loans

$300M

+7.1%y/y

Percentile by value40th percentileby value

FDICLNLSNET

Loans YoY

+7.12%

−14.3%y/y

Percentile by value58th percentileby value

FDICLNLSNET

L/D

87.3%

−3.0%y/y

Percentile by value69th percentileby value

FDICLNLSNET + DEP

Loans/assets

75.5%

−1.2%y/y

Percentile by value71st percentileby value

FDICLNLSNET + ASSET

RE loans %

89.70%

+0.0%y/y

Percentile by value69th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

2,377points

+3.5%y/y

Peer standing34th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

27.81%

+0.1%y/y

Percentile by value94th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

6.98%

−19.1%y/y

Percentile by value23rd percentileby value

FDICLNRENROT + LNLSGR

C&I %

6.09%

−14.5%y/y

Percentile by value23rd percentileby value

FDICLNCI + LNLSGR