Is Highpoint Community Bank Safe?
Highpoint Community Bank has a Bank Health Score of 96/100 (A), based on FDIC call report data. Its strongest factor is liquidity (100/100), while profitability is its weakest area (69/100).
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.
Highpoint Community Bank has a Bank Health Score of 96/100 (A), based on FDIC call report data. Its strongest factor is liquidity (100/100), while profitability is its weakest area (69/100).