Highlands State Bank
Vernon, NJ — Non-member Bank
Active
Net Interest Margin Over Time
| Net Interest Margin | Highlands State Bank | All Insured Commercial Banks in New Jersey |
| 12-31-2016 | 3.728 | 3.432 |
| 09-30-2016 | 3.85 | 3.409 |
| 06-30-2016 | 3.934 | 3.42 |
| 03-31-2016 | 3.968 | 3.431 |
| 12-31-2015 | 3.946 | 3.494 |
| 09-30-2015 | 3.949 | 3.5 |
| 06-30-2015 | 3.987 | 3.489 |
| 03-31-2015 | 4.007 | 3.482 |
| 12-31-2014 | 4.028 | 3.531 |
| 09-30-2014 | 4.003 | 3.528 |
| 06-30-2014 | 3.97 | 3.559 |
| 03-31-2014 | 3.917 | 3.565 |
| 12-31-2013 | 4.075 | 3.572 |
| 09-30-2013 | 4.073 | 3.592 |
| 06-30-2013 | 4.096 | 3.586 |
| 03-31-2013 | 4.128 | 3.572 |
| 12-31-2012 | 4.132 | 3.67 |
| 09-30-2012 | 4.071 | 3.681 |
| 06-30-2012 | 3.985 | 3.682 |
| 03-31-2012 | 4.014 | 3.689 |
| 12-31-2011 | 3.966 | 3.792 |
| 09-30-2011 | 3.921 | 3.792 |
| 06-30-2011 | 3.884 | 3.793 |
| 03-31-2011 | 3.85 | 3.791 |
| 12-31-2010 | 3.587 | 3.628 |
| 09-30-2010 | 3.552 | 3.581 |
| 06-30-2010 | 3.581 | 3.559 |
| 03-31-2010 | 3.517 | 3.543 |
| 12-31-2009 | 3.148 | 3.215 |
| 09-30-2009 | 3.157 | 3.141 |
| 06-30-2009 | 3.241 | 3.039 |
| 03-31-2009 | 3.214 | 2.973 |
| 12-31-2008 | 3.412 | 3.379 |
| 09-30-2008 | 3.554 | 3.422 |
| 06-30-2008 | 3.627 | 3.419 |
| 03-31-2008 | 3.705 | 3.36 |
| 12-31-2007 | 3.817 | 3.67 |
| 09-30-2007 | 3.798 | 3.634 |
| 06-30-2007 | 3.645 | 3.673 |
| 03-31-2007 | 3.533 | 3.557 |
| 12-31-2006 | 3.635 | 3.775 |
| 09-30-2006 | 3.708 | 3.858 |
| 06-30-2006 | 3.758 | 3.885 |
| 03-31-2006 | 3.782 | 3.834 |
| 12-31-2005 | 10.487 | 3.97 |
| 09-30-2005 | 3.905 | |
| 06-30-2005 | 3.895 | |
| 03-31-2005 | 3.91 | |
| 12-31-2004 | 3.875 | |
| 09-30-2004 | 3.901 | |
| 06-30-2004 | 3.93 | |
| 03-31-2004 | 3.913 | |
| 12-31-2003 | 3.853 | |
| 09-30-2003 | 3.829 | |
| 06-30-2003 | 3.891 | |
| 03-31-2003 | 3.931 | |
| 12-31-2002 | 4.071 |