Overview / Commentary
973-764-3200
310 Route 94
Vernon, NJ 07462

Highlands State Bank is headquartered in Vernon and is the 45th largest bank in the state of New Jersey. It is also the 1,462nd largest bank in the nation. It was established in 2005 and as of June of 2018, it had grown to 84 employees at 4 locations. Highlands State Bank's money market rates are 3X the national average, and it has an A health rating.

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Health

Health Grade Components

Overall
FDIC Certificate #58048
Year Established2005
Employees84
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.91%
Return on Equity - YTD10.46%
Annual Interest Income$9.6MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$487.8MM$415.6MM
LoansQ2 2018vs Q2 2017$429.0MM$373.7MM
DepositsQ2 2018vs Q2 2017$404.5MM$364.1MM
Equity CapitalQ2 2018vs Q2 2017$41.3MM$39.3MM
Loan Loss AllowanceQ2 2018vs Q2 2017$4.6MM$4.0MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$2.7MM$2.6MM
Real Estate OwnedQ2 2018vs Q2 2017$233.00K$282.00K
Rates
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Always verify rates and promotions with the bank or credit union. We are not Highlands State Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Highlands State Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%--Kids Savings
0.30%$1-Statement Savings
0.15%$1-Business Savings

Highlands State Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.46%*$50k*-Prime Interest Money Market Account
OTHER TIERS: 0.40% $10k - $50k
0.40%$500-Money Market Account

Highlands State Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%$100-Prime Interest Checking

Highlands State Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.63%$1k-42 Month CD
2.58%$1k-28 Month CD
2.53%$1k-20 Month CD
2.38%$1k-14 Month CD
1.25%$1k-60 Month CD
1.15%$1k-48 Month CD
0.90%$1k-36 Month CD
0.75%$1k-24 Month CD
0.65%$1k-18 Month CD
0.50%$1k-12 Month CD
0.30%$1k-6 Month CD
0.25%$1k-3 Month CD
Locations


Highlands State Bank Locations
Highlands State Bank310 Route 94, P.o. Box 160Vernon, NJ 07462
Union Boulevard Branch650 Union BoulevardTotowa, NJ 07512
Sparta Ii Branch31 Sparta AvenueSparta, NJ 07871
Denville Branch55 BroadwayDenville, NJ 07834

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