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

Highlands State Bank is headquartered in Vernon and is the 51st largest bank in the state of New Jersey. It is also the 1,743rd largest bank in the nation. It was established in 2005 and as of December of 2016, it had grown to 80 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
Employees80
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.69%
Return on Equity - YTD7.62%
Annual Interest Income$14.7MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$395.0MM$315.4MM
LoansQ4 2016vs Q4 2015$336.6MM$286.9MM
DepositsQ4 2016vs Q4 2015$344.4MM$269.3MM
Equity CapitalQ4 2016vs Q4 2015$38.2MM$29.7MM
Loan Loss AllowanceQ4 2016vs Q4 2015$3.6MM$3.4MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$2.2MM$2.0MM
Real Estate OwnedQ4 2016vs Q4 2015$518.00K$488.00K
Rates
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* 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%--Statement Savings
0.15%--Business Savings

Highlands State Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.17%*$50k*-Prime Interest Money Market Account
OTHER TIERS: 0.32% $10k - $50k
0.32%$500-Regular Money Market Account

Highlands State Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.12%$100-Prime Interest Checking

Highlands State Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.26%$1k-20 Month CD
1.25%$1k-60 Month CD
1.16%$1k-14 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