How Big Is Highpoint Community Bank?
Highpoint Community Bank holds $540M in total assets and $492M in deposits, making it a community bank by U.S. standards. By total assets it is the 1,502nd-largest of the 3,960 FDIC-insured banks we track — in the top 38% by size. Those figures come from Highpoint Community Bank's latest FDIC call report (cert #11407); it is a local community institution, with $100 million to $1 billion in assets.
This page answers a common banking-safety question: How Big Is Highpoint Community Bank?. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
Highpoint Community Bank Size at a Glance
- Total assets
- $540M
- Total deposits
- $492M
- Domestic deposits
- $492M
- Size class
- community bank
- Rank by assets
- #1,502 of 3,960
- Headquarters
- Hastings, Michigan
Source: FDIC Call Report data (cert #11407). Figures reflect the latest reported quarter.
With $540M in total assets, Highpoint Community Bank is a local community institution, with $100 million to $1 billion in assets. Nationally, that makes it the 1,502nd-largest of the 3,960 FDIC-insured banks we track, in the top 38% by size. The bank funds those assets largely with $492M in customer deposits — a typical structure for a U.S. bank, where deposits are the primary funding source for lending.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 14.74% | 98/100 |
| Nonperforming Loan Ratio | 0.10% | 98/100 |
| Liquidity Ratio | 37.83% | 100/100 |
| Return on Assets | 1.22% | 69/100 |
| Total Assets | $0.5B | |
How does Highpoint Community Bank compare?
With a Bank Health Score of 96/100, Highpoint Community Bank sits 26.0 points above the national average of 70/100 for FDIC-insured banks. Within Michigan, where 69 FDIC-insured banks are headquartered, Highpoint Community Bank ranks above the state average of 73/100 (Grade B).
The bank's Tier 1 capital ratio of 14.74% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.10% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Highpoint Community Bank's Bank Health Score improved by 4.0 points to 96/100. Tier 1 capital strengthened by 1.15 percentage points to 14.74%. Quarter-over-quarter, the score rose by 2.0 points.
Frequently Asked Questions
Highpoint Community Bank holds $540M in total assets and $492M in deposits, making it a community bank by U.S. standards. By total assets it is the 1,502nd-largest of the 3,960 FDIC-insured banks we track — in the top 38% by size. Those figures come from Highpoint Community Bank's latest FDIC call report (cert #11407); it is a local community institution, with $100 million to $1 billion in assets.
Highpoint Community Bank ranks 1,502nd by total assets out of the 3,960 FDIC-insured banks BankHealth tracks, placing it in the top 38% by size. Its $540M in assets classify it as a community bank.
Highpoint Community Bank reports $540M in total assets and $492M in total deposits ($492M of it domestic). Total assets include loans, securities, and cash the bank owns; deposits are the money customers have placed with the bank. Deposits are typically a bank's largest funding source, and FDIC insurance covers each depositor up to $250,000 per ownership category.
Size and safety are different things. A bank's size (total assets) measures scale, not health — small banks and large banks can each be financially strong or weak. Highpoint Community Bank earns a Bank Health Score of 96/100 (grade A) on capital, loan quality, liquidity, and profitability, independent of its $540M asset base. For deposits within the $250,000 FDIC limit, size does not change your insurance protection.
Yes. Highpoint Community Bank (FDIC certificate #11407) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about Highpoint Community Bank
Highpoint Community Bank holds $540M in total assets and $492M in deposits, making it a community bank by U.S. standards. By total assets it is the 1,502nd-largest of the 3,960 FDIC-insured banks we track — in the top 38% by size. Those figures come from Highpoint Community Bank's latest FDIC call report (cert #11407); it is a local community institution, with $100 million to $1 billion in assets.