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Overview / Commentary
678-569-4250
3411 Ernest Barrett Parkway
Marietta, GA 30064

Highland Commercial Bank is headquartered in Marietta and is the 135th largest bank in the state of Georgia. It is also the 4,286th largest bank in the nation. It was established in 2004 and as of December of 2013, it had grown to 23 employees at 2 locations. Highland Commercial Bank has a B health rating.

Reviews (3)

Excellent People

I have had nothing but great experience with Highland. They know me and are always helpful. A great local bank.

Yuck!!! This Bank Is Reallly Bad!

This is a horrible bank. What a waste of time to open a checking account there. I would rather pay fees!!!

HCB Comment

A bunch of old men who think they belong to the Marrietta elite.



Health

Data for Q4 2013

Institution Health

B

Texas Ratio

GRADE:
C+

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Highland Commercial Bank had $3.71 million in non-current loans and owned real-estate with $14.5 million in equity and loan loss allowances on hand to cover it. This gives Highland Commercial Bank a Texas Ratio of 25.55% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Highland Commercial Bank decreased dramatically from 52.44% as of December 31, 2012 to 25.55% as of December 31, 2013, resulting in a positive change of 51.27%.This indicates that the balance sheet and financial strength for Highland Commercial Bank has improved dramatically in recent periods.

Deposit Growth

GRADE:
D

In the past year, Highland Commercial Bank has decreased its total deposits by -$7.31 million, resulting in -6.69% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Highland Commercial Bank has shown is below average.

Capitalization

GRADE:
A+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Highland Commercial Bank has $120.22 million in assets with $14.5 million in equity, resulting in a capitalization level of 12.07%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #57732
Year Established2004
Employees23
Primary RegulatorFDIC
Assets and Liabilities
Assets$120.22 million
Loans$81.98 million
Deposits$102.00 million
Equity Capital$12.48 million
Loan Loss Allowance$2.03 million
Unbacked Noncurrent Loans$1.13 million
Real Estate Owned$2.58 million
Historic Data - December 2012
Assets$126.67 million
Equity Capital$12.56 million
Loan Loss Allowance$1.77 million
Unbacked Noncurrent Loans$1.13 million
Real Estate Owned$3.75 million
Profit Margin - Quarterly
Net Interest Margin3.86%
Return on Assets0.41%
Return on Equity4.12%
Interest Income$5.34 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Highland Commercial Bank, we are a rate comparison website and can not provide official rates or promotions.

Highland Commercial Bank Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.15%--Wee Scot Savings Account
0.15%--Regular Savings Account
0.15%--Business Savings Account

Highland Commercial Bank Money Market Rates

DetailsAPYMINMAXPRODUCT
0.40%$100k-Money Market Account
0.40%$100k-Business Money Market Account

Highland Commercial Bank Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.05%-- Interest Checking Account
0.05%--50 Plus Gold Checking Account
0.05%-- Business Checking with Interest Account

Highland Commercial Bank CD Rates

DetailsAPYMINMAXPRODUCT
0.85%$500-60 Month CD
0.65%$500-48 Month CD
0.60%$500-36 Month CD
0.50%$500-18 Month CD
0.50%$500-24 Month CD
0.50%$500-30 Month CD
0.45%$500-12 Month CD
0.10%$500-182 Day CD

Highland Commercial Bank IRA Rates

DetailsAPYMINMAXPRODUCT
0.85%$500-60 Month IRA
0.65%$500-48 Month IRA
0.60%$500-36 Month IRA
0.50%$500-18 Month IRA
0.50%$500-24 Month IRA
0.50%$500-30 Month IRA
0.45%$500-12 Month IRA
0.10%$500-182 Day IRA
Locations


Highland Commercial Bank Locations
Smyrna Office1298 Concord RoadSmyrna, GA 30080
Highland Commercial Bank3411 Ernest Barrett ParkwayMarietta, GA 30064