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Overview / Commentary
310 Route 94
Vernon, NJ 07462

Highlands State Bank is headquartered in Vernon and is the 48th largest bank in the state of New Jersey. It is also the 1,535th largest bank in the nation. It was established in 2005 and as of March of 2018, it had grown to 83 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 Grade Components

FDIC Certificate #58048
Year Established2005
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.89%
Return on Equity - YTD10.16%
Annual Interest Income$4.7MM
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$460.3MM$407.6MM
LoansQ1 2018vs Q1 2017$406.2MM$357.0MM
DepositsQ1 2018vs Q1 2017$399.0MM$360.3MM
Equity CapitalQ1 2018vs Q1 2017$40.3MM$38.6MM
Loan Loss AllowanceQ1 2018vs Q1 2017$4.4MM$3.8MM
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$2.9MM$2.2MM
Real Estate OwnedQ1 2018vs Q1 2017$233.00K$519.00K
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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

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

Highlands State Bank Money Market Rates

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

0.15%$100-Prime Interest Checking

Highlands State Bank CD Rates

2.53%$1k-42 Month CD
2.38%$1k-28 Month CD
2.22%$1k-20 Month CD
2.12%$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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