Overview / Commentary
310 Route 94
Vernon, NJ 07462

Highlands State Bank is headquartered in Vernon and is the 46th 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 September of 2018, it had grown to 80 employees at 4 locations. Highlands State Bank's money market rates are 4X the national average, and it has an A health rating.


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Health Grade Components

FDIC Certificate #58048
Year Established2005
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.93%
Return on Equity - YTD10.72%
Annual Interest Income$14.9MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$487.8MM$430.4MM
LoansQ3 2018vs Q3 2017$427.3MM$376.6MM
DepositsQ3 2018vs Q3 2017$407.7MM$383.0MM
Equity CapitalQ3 2018vs Q3 2017$42.4MM$39.8MM
Loan Loss AllowanceQ3 2018vs Q3 2017$4.7MM$4.1MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$2.8MM$2.8MM
Real Estate OwnedQ3 2018vs Q3 2017$233.00K$282.00K
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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

0.30%--Kids Savings
0.30%$1-Statement Savings
0.15%$1-Business Savings

Highlands State Bank Money Market Rates

1.61%*$50k*-Prime Interest Money Market Account
OTHER TIERS: 0.44% $10k - $50k
0.44%$500-Money Market Account

Highlands State Bank Checking Account Rates

0.17%$100-Prime Interest Checking

Highlands State Bank CD Rates

2.74%$1k-42 Month CD
2.69%$1k-28 Month CD
2.63%$1k-20 Month CD
2.48%$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

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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