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Overview / Commentary
1701 West 87th Street
Chicago, IL 60620

Highland Community Bank is headquartered in Chicago and is the 414st largest bank in the state of Illinois. It is also the 5,620th largest bank in the nation. It was established in 1970 and as of March of 2014, it had grown to 28 employees at 3 locations. Highland Community Bank has a F health rating.

Reviews (1)

Very Bad Bank For Small Business

Buyer Beware!!! This bank operate deceptive business practices. Do not deposit any of your funds in that bank. There is essentially very little checks and balances. It is a mom and pop operation with very little internal controls.


Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Highland Community Bank has a relatively low asset base.

Texas Ratio


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 Community Bank had $3.16 million in non-current loans and owned real-estate with $2.68 million in equity and loan loss allowances on hand to cover it. This gives Highland Community Bank a Texas Ratio of 118.15% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Highland Community Bank increased slightly from 99.73% as of March 31, 2013 to 118.15% as of March 31, 2014, resulting in a negative change of 18.48%. This indicates that the balance sheet and financial strength for Highland Community Bank has declined slightly in recent periods.

Deposit Growth


In the past year, Highland Community Bank has decreased its total deposits by -$16.21 million, resulting in -20.65% 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 Community Bank has shown is poor.



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 Community Bank has $63.89 million in assets with $2.68 million in equity, resulting in a capitalization level of 4.19%, which is poor.

Institution Statistics

FDIC Certificate #20290
Year Established1970
Primary RegulatorFDIC
Assets and Liabilities
Assets$63.89 million
Loans$29.58 million
Deposits$62.27 million
Equity Capital$1.17 million
Loan Loss Allowance$1.51 million
Unbacked Noncurrent Loans$2.86 million
Real Estate Owned$300,000
Historic Data - March 2013
Assets$81.75 million
Equity Capital$2.78 million
Loan Loss Allowance$1.98 million
Unbacked Noncurrent Loans$2.86 million
Real Estate Owned$394,000
Profit Margin - Quarterly
Net Interest Margin3.18%
Return on Assets-0.19%
Return on Equity-11.36%
Interest Income$534,000

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Highland Community Bank Locations
South Halsted Street Branch10537 South Halsted StreetChicago, IL 60628
Highland Community Bank1701 West 87th StreetChicago, IL 60620