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Peer Analysis

Performance Ratios (%) Highlands Bancorp, Inc. Peer Median Peer Average
ROAA NA 0.42 0.14
ROAE NA 3.02 (5.59)
Net Interest Margin NA 3.77 3.65
Efficiency Ratio NA 77.42 86.96
Loans / Deposits 106.61 93.90 98.34
Asset Quality Ratios (%)
NPAs / Assets NA 2.10 3.75
NCOs / Avg Loans NA 0.11 0.15
Reserves / Loans 1.10 1.15 1.51
Reserves / NPAs NA 54.57 77.52
Capital Ratios (%)
Tier 1 Capital NA 11.07 10.43
Tangible Equity / Tangible Assets NA 8.84 9.40
Total Equity / Total Assets 6.72 8.85 9.41
Market Ratios
Price / Earnings (x) NA 11.94 15.52
Price / Book (%) NA 84.74 88.42
Dividend Yield (%) NA 0.00 0.48
Data for trailing four quarters

Highlands Bancorp, Inc.'s peer group consists of the following: Brunswick Bancorp (BRBW), Community Bank of Bergen County, NJ (CMTB), Elmer Bancorp, Inc. (ELMA), Enterprise Bank N.J. (ENBN), First Bank (FRBA), Harvest Community Bank (HCBP), Liberty Bell Bank (LBBB), New Jersey Community Bank (NJCB), Pascack Bancorp, Inc. (PSBR)

Highlands Bancorp, Inc.'s financial data is as of 12/31/2018.

Peer financial data is as of 12/31/2018 except for these companies:

Community Bank of Bergen County, NJ's financial data is as of 12/31/2017.
Harvest Community Bank's financial data is as of 12/31/2016.
Enterprise Bank N.J.'s financial data is as of 9/30/2018.
Liberty Bell Bank's financial data is as of 12/31/2017.
New Jersey Community Bank's financial data is as of 3/31/2018.
Pascack Bancorp, Inc.'s financial data is as of 12/31/2015.
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