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Hills Bank and Trust Company

$1B-$10B Specialty: Commercial IA FDIC cert 14650

Designations: ✓ Community bank

Hills, IA

21 branches across IA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 27 in IA.
  • Deposits +5.7% year over year ($3.5B on the books).
  • Delinquency rate 0.41%.
  • Return on assets 2.08%.
  • Efficiency ratio 44.78% vs a 59.73% peer average.
  • Loan-to-deposit ratio 102.21% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 27 in IA
View $1B-$10B leaderboard (IA) →

Hills Bank and Trust Company has 3 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Profitability Leader: Top 11.7% in tier
  • + Efficiency Ratio 14.95% below tier average
  • + Delinquency Rate 0.46% below tier average

Key Concerns

Areas that may need attention

  • - Net Interest Margin 0.08% below tier average
Get updates when Hills Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $4.8B
+4.2% YoY +2.6% QoQ
+$2.0B $2.8B
-0.6% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
Top 14.9% in tier
Total Loans ? $3.6B
+3.9% YoY +2.1% QoQ
+$1.6B $2.0B
-0.3% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
Top 13.7% in tier
Total Deposits ? $3.5B
+5.7% YoY -2.3% QoQ
+$1.2B $2.3B
-0.5% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
82%
Return on Assets ? 2.08%
+42.6% YoY +8.6% QoQ
+0.69% 1.39%
+17.0% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
Top 9.6% in tier
Net Interest Margin ? 3.79%
+16.2% YoY +1.7% QoQ
-0.08% 3.87%
+6.2% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
55%
Efficiency Ratio ? 44.78%
-3.4% YoY -3.6% QoQ
-14.95% 59.73%
-12.6% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
Top 11.3% in tier
Delinquency Rate ? 0.41%
-37.0% YoY -24.6% QoQ
-0.46% 0.87%
+11.7% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
61%
Loan-to-Deposit Ratio ? 102.21%
-1.7% YoY +4.6% QoQ
+17.17% 85.04%
-0.1% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
Bottom 10.4% in tier
Non-Interest-Bearing Deposit Share ? 17.81%
+0.5% YoY +4.3% QoQ
-3.46% 21.27%
-1.5% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
39%
Nonperforming Asset Ratio ? 0.31%
-37.4% YoY -25.0% QoQ
-0.36% 0.67%
+11.7% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
61%
Tier 1 Capital Ratio ? 13.36%
+4.0% YoY +2.6% QoQ
-1.48% 14.84%
-0.4% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
55%
Non-Interest Income / Assets ? 0.37%
+5.1% YoY +104.7% QoQ
-0.15% 0.53%
+2.5% YoY
0.24%
+5.5% YoY
0.66%
+5.2% YoY
67%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Noninterest-Bearing 17.8%
+0.1pp YoY
+0.7pp QoQ
 -3.6pp 21.4% 17.8% 22.2% 39%
Brokered Deposits 1.0%
0.0pp YoY
0.0pp QoQ
 -8.4pp 9.5% 6.0% 8.5% 19%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
C&I 8.1%
-0.9pp YoY
-0.2pp QoQ
 -5.9pp 14.0% 12.8% 12.5% 35%
CRE 40.9%
+1.3pp YoY
+0.5pp QoQ
 -9.2pp 50.0% 28.3% 41.4% 27%
1-4 Family 40.0%
+0.5pp YoY
+0.3pp QoQ
 +13.6pp 26.4% 23.0% 31.3% 82%
Consumer 0.7%
-0.3pp YoY
-0.1pp QoQ
 -4.0pp 4.7% 2.9% 5.0% 37%

Capital

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
CET1 Ratio n/a n/a 15.6% 15.4% 19.7% n/a
Leverage Ratio 13.4%
+0.5pp YoY
+0.3pp QoQ
 +2.0pp 11.3% 12.4% 12.6% 87%
Total Capital Ratio n/a n/a 16.7% 16.5% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Full-Time Employees 497
+11 (+2.3%) YoY
+2 (+0.4%) QoQ
 +183 313 64 482 83%
Assets per Employee ($) $9.6M
+1.9% YoY
+2.2% QoQ
 -$834K $10.5M $8.9M $8.8M 62%
Branch Count 21
0 YoY
0 QoQ
 +1 20 5 18 68%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.2% 0.4% 0.4% 43%
Nonaccrual 0.4%
-0.2pp YoY
-0.1pp QoQ
 -0.4pp 0.8% 1.0% 1.0% 38%
Allowance Coverage 3.76x
+55.2% YoY
+26.0% QoQ
 -14.95x 18.71x 18.97x 20.23x 70%
Net Charge-off Rate (YTD) 0.0%
-0.1pp YoY
-0.1pp QoQ
 -0.3pp 0.3% 0.1% 0.2% 20%

Profitability

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
ROE 16.1%
+3.9pp YoY
+1.2pp QoQ
 +3.5pp 12.6% 12.8% 11.6% 79%
Cost of Funds (YTD) 1.6%
-0.3pp YoY
0.0pp QoQ
 -0.3pp 1.9% 1.8% 1.7% 33%
Net Income ($, YTD) $48.9M
+46.3% YoY
— QoQ
 +$29.7M $19.2M $4.0M $40.4M 93%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth
#27 of 222 • Top 11.7% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.08%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (5 metrics)

86
Return on Assets
profitability
Value: 2.08%
Peer Median: 1.39%
#86 of 885 Top 9.6% in $1B-$10B
101
Efficiency Ratio
profitability
Value: 44.78%
Peer Median: 59.73%
#101 of 885 Top 11.3% in $1B-$10B
122
Total Loans
size
Value: $3.60B
Peer Median: $1.96B
#122 of 885 Top 13.7% in $1B-$10B
133
Total Assets
size
Value: $4.79B
Peer Median: $2.79B
#133 of 885 Top 14.9% in $1B-$10B
159
Total Deposits
size
Value: $3.53B
Peer Median: $2.32B
#159 of 885 Top 17.9% in $1B-$10B

Top Weaknesses (1 metrics)

794
Loan-to-Deposit Ratio
liquidity
Value: 102.21%
Peer Median: 85.04%
#794 of 885 Bottom 10.4% in $1B-$10B
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