WV lenders / Community Bank
Highlands Bank
Community Bank · Petersburg, WV · Highlands Bankshares Inc
- Total assets
- $396.9M
- CRE loan book
- $143.7M
- QoQ CRE growth
- -0.1%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.61% as of Q1 2026 — TX bank median 4.87% (1.74pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.61% | 6.79% |
| Q4 2025 | 6.61% | 6.83% |
| Q3 2025 | 6.58% | 6.87% |
| Q2 2025 | 6.42% | 6.68% |
| Q1 2025 | 6.20% | 6.45% |
| Q4 2024 | 6.21% | 6.49% |
| Q3 2024 | 6.15% | 6.41% |
| Q2 2024 | 6.10% | 6.41% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $143.7M | $28.7M | $9.5M | 127% | $1.2M |
| Q4 2025 | $143.9M | $26.7M | $10.2M | 126% | $1.2M |
| Q3 2025 | $145.9M | $27.8M | $10.1M | 130% | $1.5M |
| Q2 2025 | $144.0M | $28.3M | $10.1M | 139% | $1.2M |
| Q1 2025 | $139.1M | $25.9M | $10.3M | 137% | $1.2M |
| Q4 2024 | $138.4M | $25.3M | $9.9M | 136% | $1.1M |
| Q3 2024 | $134.1M | $27.3M | $10.5M | 145% | $834,000 |
| Q2 2024 | $132.4M | $25.6M | $9.9M | 142% | $753,000 |
Signals
Similar lenders
Other community banks we track with a comparable CRE book size.
- The Citizens Bank of ClovisCommunity Bank · Clovis · $143.2M CRE book
- The Peoples State BankCommunity Bank · Ellettsville · $143.2M CRE book
- First State BankCommunity Bank · Clute · $144.3M CRE book
- Pony Express BankCommunity Bank · Braymer · $141.9M CRE book
- Global BankCommunity Bank · New York · $145.8M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.