# HIGHLAND COMMERCIAL BANK
MARIETTA, GA · FDIC certificate 57732 · asset band <$300M · latest filing 2015-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $130.0M | |
| Deposits | $110.1M | |
| Loans and leases | $85.6M | |
| Total equity | $14.1M | |
| Loans / deposits | 76.21% (p56 of band) | 72.67% |
| Liquid assets / assets | 30.71% (p45 of band) | |
| Uninsured deposits / deposits | 16.93% (p66 of band) | 13.36% |
| Brokered deposits | 3.94% | |
| Wholesale funding | 8.06% (p77 of band) | |
| FHLB advances / assets | 4.12% | |
| Tier 1 leverage | 10.83% (p55 of band) | 10.53% |
| Unrealized securities loss / equity | -0.05% (p34 of band) | 0.18% |
| AOCI / equity | -0.40% (p40 of band) | |
| ROA (annualized) | 0.71% (p41 of band) | 0.82% |
| Net interest margin | 3.68% (p54 of band) | 3.60% |
| Efficiency ratio | 69.61% (p41 of band) | |
| Noncurrent loans | 0.66% (p47 of band) | 0.74% |
| Net charge-offs (annualized) | 0.07% (p73 of band) | |
| Reserve coverage of noncurrent | 299.64% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 7.87% (p36 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.5% | |
| Employees | 23 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | noncurrent p90 |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 |  | noncurrent p90 |
| 2012-06 | 4 | noncurrent p90, assets shrinking, uninsured deposits leaving |  |
| 2012-09 | 4 | charge-offs p90 | uninsured deposits leaving |
| 2012-12 | 1 |  | noncurrent p90, assets shrinking, charge-offs p90 |
| 2013-03 | 3 | deposits shrinking, assets shrinking |  |
| 2013-06 | 0 |  | reserve under noncurrent, deposits shrinking, assets shrinking |
| 2013-09 | 1 | reserve under noncurrent |  |
| 2013-12 | 2 | deposits shrinking, assets shrinking | reserve under noncurrent |
| 2014-03 | 2 | charge-offs p90, uninsured deposits leaving | deposits shrinking, assets shrinking |
| 2014-06 | 1 |  | uninsured deposits leaving |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | charge-offs p90 |
| 2015-06 | 1 | capital falling |  |

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

- 2026-02-17 [James Daniel Dunn Obituary Feb 17, 2026 - West Cobb Funeral Home & Crematory](https://news.google.com/rss/articles/CBMiaEFVX3lxTE1JQWJpY2U3YjRKVjNveGc3LUk5QlVCblRPMkxTV1pUOW9TS3FOMUxKTDY0ek1PWkpUZGdTdmVpTlg2MXBFY1JVcXBfWkZGNy1zNzZ3dWF1Tk1KdmNMOEplaE5vOW9hbzNN?oc=5) · West Cobb Funeral Home &amp; Crematory
- 2020-01-03 [Group proposes to launch first new community bank inside Perimeter in 11 years - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQdmRFbTZNYVV3Wlc4aWRIbjRxWTdnbFMzamk3eGdfN3pVbFhmS2Q3NDV3VUZmR0llSFc1Tzd6VExhRHVoRVotbF8zMjJ4b1pDaWRtM1VzbFJRRE40N1A3cHQwbXMxTC1wZlJhVThiWXFwXy1XMWVQeWx4SjRyaWhTYkw1cXpsNk5ObTVEbTFRaHIza1BwRjRmcGYtOHpaRnVNLURVbzh0ejU?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57732 (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/4.json (key "57732", 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