Highland Commercial Bank

Headquarters

3411 Ernest Barrett Parkway
Marietta, GA 30064
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.05% →
1-Year CD N.A. 0.95% →
2-Year CD N.A. 1.05% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Highland Commercial Bank is an FDIC insured institution located in Marietta, GA. It was founded in 2004 and has approximately $0.13 billion in assets.

FDIC Insured Yes
FDIC Certificate # 57732
Date Established 2004
Assets $ 129.63 million
Loans $ 81.72 million
Deposits $ 109.93 million
Capital $ 13.96 million
 

For a more detailed analysis of Highland Commercial Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 18, 2020

Your Current Location: Washington, WA 98109


Loan Rates - September 18, 2020

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Highland Commercial Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Washington 30 Year Fixed Mortgage Rates 2020

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Payment
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3.746% 3.625% 1.00 $3,750 $1,141 Learn More
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NMLS ID: 2890
License#: 520-CL-25944
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Quicken Loans NMLS #3030
NMLS ID: 3030
4.114% 3.990% 1.00 $3,750 $1,193 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More

Note to Highland Commercial Bank
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Branches

Highland Commercial Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Seattle,Washington


Highland Commercial Bank Locations


Financial Details

Highland Commercial Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Highland Commercial Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Highland Commercial Bank U.S. Bank Average
10.6% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, Highland Commercial Bank had $387,000 in non-current loans and $1,270,000 in owned real estate. To cover these potential losses it had $13,963,000 in equity and $1,663,000 in loans loss reserves. That gives it a Texas Ratio of 10.6%.

Return on Equity
Highland Commercial Bank U.S. Bank Average
6.15% 7.80%

Highland Commercial Bank has a Return on Equity of 6.15% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Highland Commercial Bank U.S. Bank Average
10.77% 12.68%

Highland Commercial Bank has a Capitalization of 10.77% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Highland Commercial Bank Balance Sheet Analysis

As of March 31, 2015, Highland Commercial Bank had assets of $129,983,000, loans of $81,718,000, and deposits of $109,933,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 81.72 million
Loan loss allowance $ 1.66 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 1.27 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 109.93 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 129.63 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Highland Commercial Bank’s loan portfolio are Commercial Real Estate, Small Business Loans, and Commercial and Industrial Loans.

Compared to other banks in Georgia, Highland Commercial Bank has a significantly higher percent of Small Business Loans, Commercial Real Estate, Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 8.82
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 34.30
Construction and Development Loans 0.75
Commercial Real Estate 69.79
Commercial and Industrial Loans 19.37
Farm Loans 0.00

Frequently Asked Questions About Highland Commercial Bank

Branches and Savings

Is Highland Commercial Bank FDIC insured?

Yes. It is covered under FDIC Certificate #57732.

Why does Highland Commercial Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Highland Commercial Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Highland Commercial Bank a commercial bank?

Yes

Where are Highland Commercial Bank locations?

See branch locations nearby.

Is Highland Commercial Bank open on Saturdays?

Is Highland Commercial Bank open on Sundays?

What time does Highland Commercial Bank open?

What time does Highland Commercial Bank close?

Are Highland Commercial Bank ATMs Open 24/7?

Do Highland Commercial Bank ATMs accept cash deposits?

Can Highland Commercial Bank customers use other ATMs?

Do Highland Commercial Bank branches have notaries?

Will Highland Commercial Bank notarize my document?

What address for Highland Commercial Bank should I put for incoming ACH transfers?

Will the Highland Commercial Bank branch print checks?

Do Highland Commercial Bank checks expire?

Does Highland Commercial Bank require US citizenship to open account?

Can Highland Commercial Bank close my account?

Does Highland Commercial Bank Report to credit bureaus?

Does Highland Commercial Bank Use Equifax?

What is Highland Commercial Bank's ACH Routing Number?

What is Highland Commercial Bank's SWIFT code?

Products

Does Highland Commercial Bank offer mortgages?

Compare mortgage rates here.

Does Highland Commercial Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Highland Commercial Bank offer personal loans?

Compare personal loan rates here.

Does Highland Commercial Bank offer student loans?

Will Highland Commercial Bank cash a check?

Will Highland Commercial Bank redeem a savings bond?

Does Highland Commercial Bank cash savings bonds?

Will Highland Commercial Bank cash money orders?

Can Highland Commercial Bank issue a money order?

Does Highland Commercial Bank do currency exchange?

Background on The Bank

Who owns Highland Commercial Bank?

How long has Highland Commercial Bank been around?

Can Highland Commercial Bank transfer to other banks?

Does Highland Commercial Bank have quick pay?

Does Highland Commercial Bank accept rolled coins?

Will Highland Commercial Bank accept loose change?

Where is Highland Commercial Bank headquarters?

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