This institution is no longer active
Operations ceased on January 4, 2019. CRA examination history below reflects the period it was active.
Contact & Details
FDIC BankFindAddress
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Total Assets
$485M
Total Deposits
$411M
Net Loans
$435M
Net Income
$5M
ROA
0.98%
Above avg for Small banks. Peer avg: 0.44%
ROE
11.15%
Risk-Based Capital
11.33%
Below avg for Small banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Compared to the peer-bank Small peer group (same asset tier).
Unlock peer list → See which specific banks are in this peer group.
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2018 | 300 | 80% | 10.67% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red
| Exam Date | Rating | Exam Type |
|---|---|---|
| Mar 2017 | Satisfactory | Small Bank |
| Oct 2011 | Satisfactory | Small Bank |
| Jan 2008 | Satisfactory | Small Bank |
Exam dates and details are paywalled
Copy this snippet to embed a live rating badge on your website:
<iframe src="https://bankscorer.com/widget/bank/highlands-state-bank" width="320" height="80" frameborder="0" scrolling="no" style="border:none" ></iframe>
Updates automatically when the rating changes.
Preview: