Highlands Bankshares, Inc. operates in the Services sector. Highlands Bankshares, Inc. is a one-bank holding company. The Company conducts the majority of its business operations through its wholly owned bank subsidiary, Highlands Union Bank (the Bank). As of December 31, 2010, the Company had two direct subsidiaries: Highlands Union Bank and Highlands Capital Trust I (HCTI). The Bank offers general retail and commercial banking services to individuals, businesses and local government unit customers. These products and services include accepting deposits in the form of checking accounts, money market deposit accounts, interest-bearing demand deposit accounts, savings accounts and time deposits; making real estate, commercial, revolving, consumer, credit card and agricultural loans; offering letters of credit; providing other consumer financial services, such as automatic funds transfer, collections, night depository, safe deposit, travelers checks and savings bond sales, and providing other miscellaneous services, offered by commercial banks. In our complete report available for purchase the company is compared to: First Bank Of Delaware, First Trust Bank and Norcal Community Bancorp.