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Highlands Bankshares Inc (West Virginia)
Three North Main Street,
P.O. Box 929
Phone: (304) 257-4111p:304 257-4111 PETERSBURG, WV  26847  United States Ticker: HBSIHBSI
This company ceased filing statements with the SEC on 4/24/2012.
Business Summary
Highlands Bankshares, Inc. is the holding company for The Grant County Bank and Capon Valley Bank, collectively (the Banks). The Company's subsidiary banks operate approximately 12 banking locations in West Virginia and Virginia and offer credit insurance through its wholly owned subsidiary, HBI Life Insurance Company. The Banks provide services to customers located mainly in Grant, Hardy, Hampshire, Mineral, Pendleton, Randolph and Tucker counties of West Virginia, including the towns of Petersburg, Keyser, Moorefield, Davis and Wardensville through 10 locations and in two locations in Virginia in the county of Frederick and the town of Stephens City. The insurance company sells life and accident coverage exclusively through the Banks. The Banks offer personal checking and savings accounts. The Banks offer business checking and savings accounts. The Banks offer various personal loans, including auto loans, consumer loans, home equity line of credit, and mortgage.

Scores and Ratings
FRISK®
Score		 Z''
Score		 PAYCE®
Score		 DBT
Index		 Moody's
Rating		 Fitch
Rating		 DBRS
Rating
Yes--Yes---

Financials, News and Filings
Latest
Statement		 Last
Audit
News		 SEC
Filings		 Bankruptcy
Filings		 Suit &
Judgment
Filings		 Tax
Lien
Filings
12/31/202412/31/2024YesYes---

Industries
SIC Code Description
6022 State commercial banks
6029 Commercial banks, not elsewhere classified
6712 Offices of bank holding companies

Officers and Directors

Title
Name
Age		 Title
Date		 Start
Date
Chairman of the Board, President, Chief Executive Officer Jack H.Walters 75 12/31/2023 7/1/1987
Financial Officer SarahNottingham 1/1/2023 1/1/2023
Chief Information Technology Officer DanFabbr 1/1/2023
7 additional Officers and Directors records available in full report.

Subsidiaries
Business Name Address City State/Province Country
GRANT COUNTY BANK 3 N Main St Petersburg West Virginia United States
CAPON VALLEY BANK 2 W. Main Street Wardensville WV United States

Business Names
Business Name
Capon Valley Bank
HBI Life
HBI Life Insurance Company
HBSI
The Grant County Bank

General Information
Number of Employees: 4 (As of 12/31/2011)
Outstanding Shares: 1,319,600 (As of 9/30/2025)
Shareholders: 825
Stock Exchange: OTC
Federal Tax Id: 550650743
Fax Number: (304) 257-4386


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Saturday, December 13, 2025