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Peer Analysis

Performance Ratios (%) HSBK Peer Median Peer Average
ROAA 0.58 0.26 0.08
ROAE 9.18 2.33 (6.02)
Net Interest Margin NA 3.59 3.61
Efficiency Ratio 69.19 80.32 87.40
Loans / Deposits 106.13 93.71 97.95
Asset Quality Ratios (%)
NPAs / Assets 0.76 2.11 3.75
NCOs / Avg Loans 0.01 0.13 0.16
Reserves / Loans 1.08 1.20 1.50
Reserves / NPAs 125.48 49.62 81.06
Capital Ratios (%)
Tier 1 Capital NA 11.07 10.38
Tangible Equity / Tangible Assets 6.20 8.75 9.47
Total Equity / Total Assets 6.42 8.65 9.47
Market Ratios
Price / Earnings (x) 15.71 15.58 20.55
Price / Book (%) 134.42 95.31 92.81
Dividend Yield (%) 0.53 0.00 0.50
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 9/30/2018.

Peer financial data is as of 9/30/2018 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.
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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