Highlands Bankshares, Inc. operates as the bank holding company for The Grant County Bank and Capon Valley Bank that provides various banking products and services for individuals and businesses. The company accepts checking, saving, club accounts, money market, plateau premium investment checking, and individual retirement accounts; and insured cash sweep and CDARS, as well as certificates of deposit. It also offers personal and business loans, such as home mortgage and equity, land and lot, mobile home, auto, personal and business term, agriculture, equipment, and commercial real estate loans, as well as business lines of credit. In addition, the company provides investment checking, debit and credit cards, kasasa protect, automatic teller machines, business online banking and bill-pay, mobile and telephone banking, direct deposits, merchant cards, remote deposit capture, bank-by-mail, certified and cashier's checks, foreign currency exchange, GCB card secure, notify alerts, credit monitoring, safe deposit box, and money wire transfer services. Further, it offers sells life and accident coverage insurance products. The company operates through a network of branches in Grant, Hardy, Hampshire, Mineral, Pendleton, Randolph, and Tucker counties in West Virginia, including the towns of Petersburg, Keyser, Moorefield, Davis, and Wardensville, as well as the county of Frederick and the town of Stephens City. Highlands Bankshares, Inc. was incorporated in 1984 and is based in Petersburg, West Virginia.