# HIGHPOINT COMMUNITY BANK
HASTINGS, MI · FDIC certificate 11407 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $592.4M | |
| Deposits | $540.0M | |
| Loans and leases | $371.9M | |
| Total equity | $48.9M | |
| Loans / deposits | 68.10% (p22 of band) | 82.04% |
| Liquid assets / assets | 33.83% (p73 of band) | |
| Uninsured deposits / deposits | 36.29% (p82 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.34% (p28 of band) | |
| FHLB advances / assets | 0.34% | |
| Tier 1 leverage | 8.45% (p5 of band) | 10.81% |
| Unrealized securities loss / equity | -4.21% (p67 of band) | -8.10% |
| AOCI / equity | -1.09% (p20 of band) | |
| ROA (annualized) | 0.80% (p21 of band) | 1.28% |
| Net interest margin | 3.37% (p22 of band) | 3.91% |
| Efficiency ratio | 73.08% (p79 of band) | |
| Noncurrent loans | 0.04% (p17 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p21 of band) | |
| Reserve coverage of noncurrent | 2612.35% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 9.11% (p13 of band) | |
| Auto loans | $7.4M (1.99% of loans; DQ 0.09%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -10.8% | |
| Employees | 70 | |

## Flags firing in the latest filing

- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | capital falling |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | expense ratio p90 |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | expense ratio p90 |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | expense ratio p90 |  |
| 2018-06 | 0 |  | expense ratio p90 |
| 2018-09 | 1 | expense ratio p90 |  |
| 2018-12 | 0 |  | expense ratio p90 |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 | expense ratio p90 | capital falling |
| 2022-09 | 0 |  | expense ratio p90 |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | leverage <7% |  |
| 2023-09 | 0 |  | leverage <7% |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | leverage <7% |  |
| 2025-03 | 0 |  | leverage <7% |
| 2025-06 | 0 |  |  |
| 2025-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 3 |  |  |
| 2026-06 | 3 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-20 [Michigan banks Independent, Highpoint to combine in $70.2M deal - Banking Dive](https://news.google.com/rss/articles/CBMitgFBVV95cUxNdmxhZXlKX3o2ZkZ1S241STNBRWxfZkd4S0EwanVzRFZfeURQd1FrdmsyN0FJYkQ4LWtIVFFxS3VOVDhRblpyWngxUFk4aHNURDhUS01URHlidk1FendoRTA1UUdHSXRJRFlQS29hUVVYQ21xSFF1a25scVYwOXA1RFl4SmpDTHVYNlFlNEVuNV9KTGxDNlY1UEtFUDVSd1ZoLUV4VE96UEYzNnQwNWZxQ2V2cjJidw?oc=5) · Banking Dive
- 2026-06-15 [Independent Bank Receives Regulatory Approvals to Acquire HCB Financial & Highpoint Community Bank - ABF Journal](https://news.google.com/rss/articles/CBMiwgFBVV95cUxNc1NjbXB6LTJpMl9WN194NkRkbnN2UFpUTmUyN2NzWG1CTEhPQTAtZHRTdWVoWERxNXhIRjgzdEE0M05DdXA3VzVZMDZUbDM0ZVRMdzY2MmxodjVwNjIzRjd5R1psN2c3YkRKek1rdENIa3FFNDdVZ3JMNHE2TjliSHZqLTJwN3pPN3RVMDZhSzRpT2FjXzdLbG05Vml1dk9TNWpIMkY1c3YwRDFTbHJBa3JqbjhKNktVd0RsdW5jYVFPZw?oc=5) · ABF Journal
- 2026-06-12 [Independent Bank Corporation Announces Regulatory Approvals to Acquire HCB Financial Corp. and Highpoint Community Bank - Yahoo Finance](https://news.google.com/rss/articles/CBMitAFBVV95cUxOazdYTUpWYTRpZEZCVmV0X2Y2MlAxOERsbW9lVjVoVDRjYUwxWDNDelNUSmdEdXVaT2M5dWkyR3RoVmZvWTJHSU5XdlREX0FUOHpCWnZTVjQ0OUxNbGlxTmgtMm11OXo1c2UxT1Iya1hmNEFDdmFJX3R5QUFoZ1I3UVpHd2tIcVNjd3NTSFJycDlHNFR6OFNkY0dJTTVqV0gyb2hLM3FrOUt5cXQ5bWcwOXBiOFM?oc=5) · Yahoo Finance
- 2026-03-18 [Independent Bank to buy Hastings-based HCB Financial for $70.2M - Crain's Grand Rapids](https://news.google.com/rss/articles/CBMiugFBVV95cUxPMUQ5anFaNTdBd2llSzJ4cVpyNjdYME9vVFRTWGNmc2w5Wm81emFZcFhRTU5CTjViQ2xWVXQ4dXNPTERGY3hqR2xXT2I1Q3drN1UycGhvZ0lSSk5yN3p5TXVWZlVPOFFuOUM3cWxrUTlOazFEVlpmNTNqYUZiajlwTGdLaHNzOWt0X0gxYVpQWkxfbHIyaWpaTDBfTlNNeHczM211bjZjV2ZtRk9YNGVObnJ1R2tuMW1pNlE?oc=5) · Crain's Grand Rapids
- 2026-06-18 [Independent Bank Corporation Announces Shareholder Approval to Acquire HCB Financial Corp. and Highpoint Community Bank - The Globe and Mail](https://news.google.com/rss/articles/CBMiqwJBVV95cUxNNmJTbTVkVnFyekltZ0x6RTFXYy1mUU5aWG5vY0ZJZzROTmJMSVp6eWRUOEdRWkp2NzlKbU5mcDlpZlRWZXVXdGx6M1hLUXNlSzRYMTBBaDBxX3NLb2lCRWNXUFFaVWgwdlpSLXhtWWNWQWhvd0RacFFjOTVlODZ1SndTMVJfUXVoQXBqRnVmVmxNLXlDcmZCQzZpbU4tYVhZdVBLTkEyUzVTd2FMWVBNeV9kT2UzVmlVZTV0bUZSOUdNakxvRHMyWDlJcDAzSVlHdExldDFLbTZhVkhTZ2ViYkw1Y0ZvSkhRbDFIVUU2RW8wZlpfRVd6S29tYjEzNDZwVExPQ3BvUjFfWWxoVm4xQkRVRDRrYVZEaG9fY1NkVDFXS0wwUnlGSzZLcw?oc=5) · The Globe and Mail
- 2026-03-20 [Independent Bank: $70.2 Million Acquisition Of Community Bank HCB Financial - Pulse 2.0](https://news.google.com/rss/articles/CBMimAFBVV95cUxNOFNBa25VUzhZd0xMcElVN3o2VUFFZEVJbjZ4WXVaWG1VclcwYzBJTHY3SzlaS29FVHlrWHltYVJmOXZCNVc2eGdHQ0R4Y3V6VXpNanNXVFRFWDFBSVFad1NtQWF5OVVoUV9Da3BUeDI4OVlBT1BtaUJ3bkdQZk1GeVFYblF3OEplTzFQb19JTHg4aXludlo3N9IBngFBVV95cUxOWHhKZ1h1a244MFFuaDdTVVA5alpUeG12QlEyOHlMdG5qQnZlOFNtd1BmYm5INUxEVWhMWEhkeTN4X09DUVI1dUpZSGN5MjdZbHhxS1Vacm43V3lTZVlUSHU3QkJLdmVuZ29ndk1icDV5Z2Q3YTVvelVBRFlGT1h3SE04MmxOTmhVUlpMNGNhamlpQVJWNjc2eHpxVF9hUQ?oc=5) · Pulse 2.0
- 2026-07-01 [Independent Bank Corporation Announces Completion of the - GlobeNewswire](https://news.google.com/rss/articles/CBMinAJBVV95cUxOSHA1aTNfU293S3ZzaXliZTZEZWpsZ1FESkVvMElMOWd4M2NkUzQ3WjVzdWpHdjdfUXliZTE1RWNnTmJrMkItTUdsbGZRTXlUTU9uNUZKWlBKUFBoVTBzWmdWQ1hLT3pDSnZNNFpIdGp1ZzExLVJMMWFUV3pYSjhBRUM1bVctN0w4SHhaVWw1eWJYLThEc0ZPeXA1RUxwLUhWaTZKN3JrbHctU0pQTWIxbHZjZGh1YmVMdmxFb3p3bHhWeWpURUhtQVlsdHlxMl9ILUN1dkRVelRCMlBFanVKRDdHUzRPd3ZKcnJNYkxQZXFCZTFRb2lWckYwRER1NnV1VUctaEZXV2FCcGRnNjZKU1pzWEdGdEtOc0ZjQw?oc=5) · GlobeNewswire
- 2026-03-18 [Independent Bank Corporation and HCB Financial Corp. Announce Definitive Merger Agreement - GlobeNewswire](https://news.google.com/rss/articles/CBMi9wFBVV95cUxQdUlMZGNISWxVZjVsaTdpbV9QQUJ2dEdlN1hjc1hWUFg3Y0pGcnBVbmxqd2tCdmRILVQyYTZuaURtZC1qQlotZS01cXBiWkg4bTRhVmNBZjlBT2JwMW9HajJtZndXLTBXY1QzMGRQZl9DSkZZUHZpRHVqSklLcXJPejBhWWdUQWNsQ1REc3dSNFlhZy1IUEdhQVBPaHgyUVRKekFsbGFxLVNacUZGLUxpUHdVUUI3NVFJTjE0c2dJdW9WdDZjV2J3TUZCd0N4WUtzRkVsUkN4anZiQ29yNEFJNmRJcktvdFJNLTlMOW1PcW5WTzNrNGRR?oc=5) · GlobeNewswire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11407 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/15.json (key "11407", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide