Highland Commercial Bank is headquartered in Marietta and is the 131st largest bank in the state of Georgia. It is also the 4,209th largest bank in the nation. It was established in 2004 and as of March of 2014, it had grown to 23 employees at 2 locations. Highland Commercial Bank has a B health rating.
I have had nothing but great experience with Highland. They know me and are always helpful. A great local bank.
This is a horrible bank. What a waste of time to open a checking account there. I would rather pay fees!!!
A bunch of old men who think they belong to the Marrietta elite.
The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Highland Commercial Bank had $3.3 million in non-current loans and owned real-estate with $14.67 million in equity and loan loss allowances on hand to cover it. This gives Highland Commercial Bank a Texas Ratio of 22.49% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
The Texas Ratio for Highland Commercial Bank decreased dramatically from 39.67% as of March 31, 2013 to 22.49% as of March 31, 2014, resulting in a positive change of 43.30%.This indicates that the balance sheet and financial strength for Highland Commercial Bank has improved dramatically in recent periods.
In the past year, Highland Commercial Bank has decreased its total deposits by -$4.35 million, resulting in -3.98% 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.
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 $123.51 million in assets with $14.67 million in equity, resulting in a capitalization level of 11.88%, which is excellent.
|FDIC Certificate #||57732|
|Assets and Liabilities|
|Equity Capital||$12.79 million|
|Loan Loss Allowance||$1.88 million|
|Real Estate Owned||$3.30 million|
|Historic Data - March 2013|
|Equity Capital||$12.65 million|
|Loan Loss Allowance||$1.82 million|
|Unbacked Noncurrent Loans||$0|
|Real Estate Owned||$3.74 million|
|Profit Margin - Quarterly|
|Net Interest Margin||3.99%|
|Return on Assets||0.66%|
|Return on Equity||6.33%|
|Interest Income||$1.29 million|
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|0.15%||-||-||Wee Scot Savings Account|
|0.15%||-||-||Regular Savings Account|
|0.15%||-||-||Business Savings Account|
|0.40%||$100k||-||Money Market Account|
|0.40%||$100k||-||Business Money Market Account|
|0.05%||-||-||Interest Checking Account|
|0.05%||-||-||50 Plus Gold Checking Account|
|0.05%||-||-||Business Checking with Interest Account|
|1.51%||$500||-||60 Month CD|
|0.95%||$500||-||48 Month CD|
|0.80%||$500||-||36 Month CD|
|0.65%||$500||-||24 Month CD|
|0.50%||$500||-||12 Month CD|
|0.35%||$500||-||182 Day CD|
|1.51%||$500||-||60 Month IRA|
|0.95%||$500||-||48 Month IRA|
|0.80%||$500||-||36 Month IRA|
|0.65%||$500||-||24 Month IRA|
|0.50%||$500||-||12 Month IRA|
|0.35%||$500||-||182 Day IRA|
|Highland Commercial Bank Locations|
|Smyrna Office||1298 Concord Road||Smyrna, GA 30080|
|Highland Commercial Bank||3411 Ernest Barrett Parkway||Marietta, GA 30064|