Highlands Bancorp, Inc.engages in the provision of banking products and related financial services. It ofers various deposit products, including checking accounts, time deposits, money market accounts, savings accounts, and certificates of deposits; and loan products, such as commercial, consumer, mortgage, construction, and personal loans, as well as automobile, bridge, home equity, and home improvement loans. It also provides loans for equipment and working capital needs, as well as for financing of commercial real estate; and one-to-four-family residential real estate loans. The company also offers electronic banking services, including Internet banking and electronic bill payment services, as well as MasterCard check cards, ATM cards, and automatic and ACH transfers. The company was founded in 2005 and is headquartered in Vernon, NJ.