Businessweek

Hilltop Community Bancorp, Inc. operates as the holding company for Hilltop Community Bank, which provides commercial banking products and services to small business owners, professionals, and families in New Jersey. The company has offices in Summit, Berkeley Heights and Madison, and administrative offices in Murray Hill. The service area includes surrounding communities in Union, Essex, Morris, and Somerset Counties. Loan Portfolio As of December 31, 2008, the company’s loan portfolio included loans secured by real estate, including construction, land development, and other land loans, secured by farmland (including farm residential and other improvements), secured by 1-4 family residential properties, secured by multifamily (5 or more) residential properties, and secured by nonfarm nonresidential properties; commercial and industrial loans; and loans to individuals for household, family, and other personal expenditures (that is consumer loans). Investment Portfolio As of December 31, 2008, the company’s investment portfolio included U.S. treasury securities; U.S. government agency obligations; securities issued by states and political subdivisions in the U.S; mortgage-backed securities; asset-backed securities; and other debt securities. Deposits The company's deposit products include savings deposits, money market deposit accounts, time deposits, and individual retirement accounts. History Hilltop Community Bancorp, Inc. was founded in 2000.