HIGHPOINT COMMUNITY BANK
HASTINGS, MICHIGAN · FDIC Cert #11407
Capital & Safety Analysis
According to FDIC financial data, HIGHPOINT COMMUNITY BANK holds a Tier 1 capital ratio of 14.74%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning HIGHPOINT COMMUNITY BANK has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
HIGHPOINT COMMUNITY BANK shows strong financial health indicators. With $540M in assets and a Health Score of 96/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
HIGHPOINT COMMUNITY BANK has a Bank Health Score of A (96/100). It holds a Tier 1 capital ratio of 14.74%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
HIGHPOINT COMMUNITY BANK holds $540M in total assets and $492M in total deposits. It is located in HASTINGS, MICHIGAN (FDIC Certificate #11407).
HIGHPOINT COMMUNITY BANK has a Tier 1 capital ratio of 14.74%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.10%, and the return on assets is 1.22%.
Yes. HIGHPOINT COMMUNITY BANK is FDIC-insured (Certificate #11407). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.