Vitals
  • Total Assets
    395.0M 25.3 %
  • Total Deposits
    344.4M 27.9 %
  • Total Net Loans
    336.6M 17.3 %
  • Net Income
    2.4M 22.7 %
  • Book Value
    38.2M 28.5 %
  • Book Value x2
    76.4M 28.5 %
  • Book Value x3
    114.6M 28.5 %
ROAA

.692

ROAE

7.622

Efficiency Ratio

73.174

Net Interest Margin

3.728

Balance Sheet Highlights
Financial Highlights Highlands State Bank All Insured Commercial Banks in New Jersey
Balance Sheet $(000)
Total Assets 395,030 941,236
Total Net Loans 336,589 666,560
Total Deposits 344,444 782,459
Total Equity 38,213 105,130
Profitability
Net Income 2,424 8,451
Return on Average Assets .692 .672
Return on Average Equity 7.622 6.44
Net Interest Margin 3.728 3.432
Efficiency Ratio 73.174 74.417
Noninterest Income/Revenue 21.759 18.002
Balance Sheet Ratios
Loan-to-Deposit 97.72 86.355
Securities/Assets .023 .113
Total Equity/Total Assets .097 .112
Tangible Equity/Tangible Assets .093 .102
Capital Adequacy
Tier 1 Common Capital 36,511 95,604
Tier 1 Capital 36,511 95,771
Tier 2 Capital 3,567 8,179
Total Capital 40,078 103,980
Total Risk Weighted Assets 325,858 734,206
Leverage Ratio 9.3 9.818
Common Equity Tier 1 Capital Ratio 11.2 13.154
Tier 1 Capital Ratio 11.2 13.207
Total Capital Ratio 12.3 14.399

Timeline for Highlands State Bank

Hsb Investment Co. Inc.

Hsb Investment Co. Inc. became a new subsidiary organization for Highlands State Bank.

View Profile Mar 20 2015

Secure Lending Solutions, Inc.

Secure Lending Solutions, Inc. became a new subsidiary organization for Highlands State Bank.

View Profile Feb 28 2014

Highlands Bancorp, Inc.

Highlands Bancorp, Inc. became a new parent organization for Highlands State Bank.

View Profile Aug 31 2010

Noble Community Bank

Acquisition: Highlands State Bank acquired a new subsidiary, Noble Community Bank, 16 years

View Profile Jan 01 2009

Highlands State Bank

Highlands State Bank was established 20 years ago and is currently headquartered in Vernon, NJ.

Oct 17 2005
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Noble Community Bank Seller 44,909 Acquisition Discontinued 1/1/2009
Relationships Role Relationship Start Relationship End
Highlands Bancorp, Inc. Parent 8/31/2010
Secure Lending Solutions, Inc. Subsidary 2/28/2014
Hsb Investment Co. Inc. Subsidary 3/20/2015
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