# HIGHLANDS BANK
JACKSON, LA · FDIC certificate 310 · asset band <$300M · latest filing 2017-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (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 | $154.1M | |
| Deposits | $127.8M | |
| Loans and leases | $108.6M | |
| Total equity | $20.0M | |
| Loans / deposits | 84.26% (p64 of band) | 76.19% |
| Liquid assets / assets | 26.37% (p41 of band) | |
| Uninsured deposits / deposits | 18.50% (p65 of band) | 14.99% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.89% (p60 of band) | |
| FHLB advances / assets | 3.89% | |
| Tier 1 leverage | 13.03% (p73 of band) | 11.02% |
| Unrealized securities loss / equity | -0.17% (p33 of band) | 0.02% |
| AOCI / equity | 0.63% (p45 of band) | |
| ROA (annualized) | 1.49% (p82 of band) | 0.90% |
| Net interest margin | 3.91% (p63 of band) | 3.71% |
| Efficiency ratio | 63.80% (p32 of band) | |
| Noncurrent loans | 1.69% (p78 of band) | 0.62% |
| Net charge-offs (annualized) | 0.10% (p78 of band) | |
| Reserve coverage of noncurrent | 51.36% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 114.59% (p97 of band) | |
| Auto loans | $275,000 (0.25% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $268,000 (1% of equity) (p97 of band) | |
| Deposits YoY | 4.1% | |
| Employees | 34 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 1 |  | reserve under noncurrent |
| 2012-03 | 0 |  | construction >100% equity |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 5 | charge-offs p90, reserve under noncurrent, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2013-03 | 3 |  | charge-offs p90, uninsured deposits leaving |
| 2013-06 | 3 |  |  |
| 2013-09 | 0 |  | reserve under noncurrent, deposits shrinking, assets shrinking |
| 2013-12 | 1 | reserve under noncurrent |  |
| 2014-03 | 0 |  | reserve under noncurrent |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | charge-offs p90 |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | charge-offs p90 |
| 2016-06 | 0 |  |  |
| 2016-09 | 2 | capital falling, construction >100% equity |  |
| 2016-12 | 3 | reserve under noncurrent |  |
| 2017-03 | 2 |  | capital falling |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |

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

- 2026-07-30 [Highlands Bank Welcomes Kim Davis Wilson as President & Chief Executive Officer - West Virginia Press Association](https://news.google.com/rss/articles/CBMisAFBVV95cUxORXM0QVp1MDNRMmJ2R2l1Q0xPSHk0czRRTjhTRUVYMjMwVFNwUGo1bEtBcmxCQnNpcHBSYVpZX083QkI0dWp4cEx0Qlhqcmw2bHJ4QkZEODV0UXdOZ1dfYklNb2hZeEo1Xy1NQmtydzJxMjM0bkhzX0w1Y3RFNEh4clBjcE5nYVJEcGtFR3NZWmhWenY4V2ptUWowRVFqbzA1LS1TN2o0RnlreGRBLXJjNg?oc=5) · West Virginia Press Association
- 2017-08-07 [Investar in La. to buy BOJ Bancshares - American Banker](https://news.google.com/rss/articles/CBMifEFVX3lxTE5nWkdKTXJFcHJYa1lTZ3g2ZFBzcG5OYnhvdWlwM2w0QkZnbk5CUF9yYmtaYWJuNU4wVTV2MldXUnZPMnRmVEM4SXA1YUdzdE1tU3RIUEJZNUxSVVBKWHcxMDRWZDVVNmJRaF93SF9NQXB5aUgwMTNhMkZsUmY?oc=5) · American Banker
- 2020-04-27 [Investar’s Investment in Technology Provides Opportunity and Organizational Shift - Biz New Orleans](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNRnIyREE4Ul9vaVM2M1ZaX0tZMnZWRExMVFpzblFtOUpEQUNhWC1JQmRFaE9nV0I2XzdoM296azctMmZfR1Q3WnRSQkxsQ0w0WDJhMlJ2cmtVcUFDOTdaNEluLXVMbHZNYTdyUE11azRueGh1QTIwUE5NYUE1Wml5djJWellQeW9XVUg5QXBETmRCbnFUSXlaRTB5VHlSMXpfd2xNclQ4VG9tNjg?oc=5) · Biz New Orleans
- 2019-11-06 [Former Claims Shop Owner Pleads Guilty to Bank and Wire Fraud - Claims Journal](https://news.google.com/rss/articles/CBMieEFVX3lxTE9zV2duN0dJR19adWh2M0xoa1VraDcxcGtLbEhVS3JqRS00TGZvUnlqdkZYOFZYUGFHR0ZvX0YwRVhYVm5heVE1TF9qQnhodHQ3YXdveUxvMjItUjZOakwyRFpQOXp2Q0VnZ2hPRFFHMGlRMnRHWjRacQ?oc=5) · Claims Journal
- 2017-08-23 [Officials release details about suspect arrested in connection with 2 bank robberies - WAFB](https://news.google.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?oc=5) · WAFB
- 2019-11-04 [Zachary businessman admits he lied to obtain $29 million from banks; he faces 50 years in prison - The Advocate](https://news.google.com/rss/articles/CBMilAJBVV95cUxPWW5QbDZSMnRXZW0tU1ZKNWVVUjJmU21Xa3pTYjZLZHZPOGlncTdGUDRxV1NmaXpFbWNTNTZ3ME53aDBndW03U214WGlSemdUck9aZmc0M3pLWk5ZSVFDSlRqbEFISHQxNnBOWnBzX2RWTVRyR005OHpscGZWTXlTUGVaRkRpSEpnSHV1RzI3T2dBbTRvZm9jOTdMZ1hGTGVrZlJmcjNIelV5ZjRDS0d3dlR6UlhDd1o1MFlkTngzOUJwcDZhWXdBbTFreW5YT1dzcktmdUppUTc1YXN4WkNiazF5bTNtOGpQSm9rUkVaUHBFWWR4bVdqbC03RlUtN1Y1ei1ONjQ0YU1FQmRMX0liT3AyMkM?oc=5) · The Advocate
- 2026-02-06 [Jean Spillman Lanoue Obituary (2026) - Ethel, LA - Charlet Funeral Home, Inc., Zachary, LA - Legacy obituary](https://news.google.com/rss/articles/CBMif0FVX3lxTE1YaUhBLXA0U3FzZWkxUzVTWUNMYTROOS1BU3pBTDNvSFloRmE1TDhLZHFUSm9rNjRXdlBYX3c1UHNLVEhvbWozNEU5Y0FFUlRPUVFudkFPUlQwZUUzOVpVTXBEakJNbzRwaE5wZ1ppTG1PWnRPWFdfVVBySWF6a28?oc=5) · Legacy obituary
- 2017-03-22 [Angola Rodeo finances will be investigated further by legislative auditor - NOLA.com](https://news.google.com/rss/articles/CBMi7wFBVV95cUxPSlJfTllUbWlCUmR5S1N0cmNmaXQtcWJzNmwwZW5hV2xKNU8yVmxISG94bkVnZ0JGRGhWbkpXYU1hVmpOUWlaY05wYjNYV2lSbmZTZEhsanNaVGNmWTdva3JYZGw3MGF0S0FZUU5wOWR6STM5OENwUW0xS2RoZG1Iel9MLU5mRGYtdmNKVWtCOWgtUTJ6UGJjLUJVaHM5czg4UmdsZTJUUHJGTS1XcU1DSWN2R2FzZ0lkVUZIR19xSk9KMF9LVUdaS05reFY1QlJnRl9tUzhxU245Y2pTOU1ibkVMMzBHYUlWTHRhS0Z2b9IB9AFBVV95cUxQUjV2LWEtVFdtWVhKUWp1cGlLV1VfSTQwVXpqdDM4Z05URWlxLWNsaHBQYTlfVFJaajZzYnFuZUh1ZVIzc1htdGJvcTczZ0RaTWpkYVBjZ1RUX0xCZkUwa1N0VFVKNlJUQTBNNmVrSmUzWlkwenNCZ2hySkNPYktuRmludzNKUVViYjI3RnlyaWZBVjFJbVlMS0RjX25oaFNfam9zOG42RXJHVjJ2WENSWWEydC1IMHpGSEhUMmdreUVSamFPZW1pSkd2aFBCREZPdVBya2l5dG9QUzdUSkNSZUttS3d5a0N1a3lIb0NMalk4d3Nz?oc=5) · NOLA.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=310 (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/54.json (key "310", 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