Bank · FDIC insured
Highlands Bank
A $407.1M bank headquartered in Petersburg, WV, with 7 branches in West Virginia. Best rates: CDs 3.80% and savings 0.35% APY.
Highlands Bank Carrot Score
69
Carrot Score
Higher than 24% of U.S. banks and credit unions
#6 of 10 in Cumberland, MD-WV metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Highlands Bank
Highlands Bank has been proudly part of the Potomac Highlands since 1902.
- Headquarters
- 3 N Main St, Petersburg, WV 26847
- FDIC certificate
- 11953 ↗
Branches
7 branches in West Virginia
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West Virginia
7 branches
Davis area · 2
- The Canaan Valley Branch5502 Appalachian Hwy, Davis, WV 26260Directions
- The National Bank Of Davis Branch901 William Ave, Davis, WV 26260Directions
Petersburg area · 1
- Highlands BankMain office3 N Main St, Petersburg, WV 26847Directions
Elkins area · 1
- The Stockmans Bank Of Harman Branch48 Main Street, Harman, WV 26270Directions
Cumberland area · 1
- New Creek/Keyser Branch1336 New Creek Hwy, Keyser, WV 26726Directions
Moorefield area · 1
- South Branch Square Branch500 S Main St, Moorefield, WV 26836Directions
Riverton area · 1
- Riverton Branch16198 Mountaineer Dr, Riverton, WV 26814Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.00% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.91% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.27% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $87 | $81 | — |
- CapitalLeverage ratio11.00%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.91%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.27%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$87Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Highlands Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.