Call reports 2026
HIGHLANDS COMMUNITY BANK — 2026
What HIGHLANDS COMMUNITY BANK reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 189,654,000 | 188,921,000 |
| Total loans | 84,270,000 | 82,385,000 |
| Allowance for loan losses | 1,246,000 | 1,125,000 |
| Securities available for sale | 85,947,000 | 84,699,000 |
| Securities held to maturity | 2,000,000 | 2,000,000 |
| Trading assets | 0 | 0 |
| Total deposits | 168,152,000 | 167,279,000 |
| Interest-bearing deposits | 124,857,000 | 124,543,000 |
| Noninterest-bearing deposits | 43,295,000 | 42,736,000 |
| Equity capital | 20,287,000 | 20,401,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 2,090,000 | 4,188,000 |
| Interest expense | 623,000 | 1,219,000 |
| Net interest income | 1,467,000 | 2,969,000 |
| Noninterest income | 207,000 | 412,000 |
| Noninterest expense | 1,419,000 | 2,945,000 |
| Provision for loan losses | 0 | 0 |
| Pretax income | 255,000 | 436,000 |
| Income tax | 42,000 | 68,000 |
| Net income | 213,000 | 368,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 23,767,000 | 23,923,000 |