HCB Financial Corp. operates as the bank holding company for Highpoint Community Bank that provides various banking products and services in the United States. The company offers personal and premier checking accounts; savings accounts; mortgage loans; and personal loans, including automobile, recreational vehicle, unsecured, credit builder, and student loans, as well as personal line of credit. It also provides business checking and savings accounts; business loan services, such as real estate lending, lines of credit, and term loans; small business administration loans; other services comprising sweep, courier banking, merchant and business credit card, night depositor, and wire services, as well as health savings accounts and business mentoring; and digital services. In addition, the company provides trust services, such as personal trust, estate settlement, corporate retirement plan services, and individual retirement account; and investment services. Further, it provides annuities, bonds, IRAs, life insurance, long term care/insurance products, mutual funds, and stocks. HCB Financial Corp. was founded in 1886 and is headquartered in Hastings, Michigan.