Market Overview

Highlands Bancorp, Inc. Declares Quarterly Cash Dividend

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The Board of Directors of Highlands Bancorp, Inc. (OTC:HSBK), parent
company of Highlands State Bank, announced that it has declared a cash
dividend of $0.02 per common share, The dividend is payable on September
4, 2018 to common shareholders of record on August 13, 2018.

The Company serves as the holding company for Highlands State Bank.
Highlands State Bank is a full service community bank headquartered in
Vernon, New Jersey with branch offices in Sparta, Totowa, and Denville,
New Jersey. Highlands State Bank provides deposit and loan banking
services to consumers and businesses in northern New Jersey.

Forward-Looking Statements

This news release contains certain forward-looking statements, either
expressed or implied, which are provided to assist the reader in
understanding anticipated future financial performance. These statements
involve certain risks, uncertainties, estimates and assumptions made by
management, which are subject to factors beyond the company's control
and could impede its ability to achieve these goals. These factors
include general economic conditions, trends in interest rates, the
ability of our borrowers to repay their loans, and results of regulatory
exams, among other factors.

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