BlastPoint's Banking Scorecard

Hills Bank and Trust Company

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

Designations: ✓ Community bank

Hills, IA

21 branches across IA

884 banks in the $1B-$10B peer group nationally 27 in IA

Hills Bank and Trust Company has 3 strengths but faces 2 concerns

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 19.0% in tier
+ Efficiency Ratio 14.63% below tier average
+ Delinquency Rate 0.35% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 30.5% in tier
- Net Interest Margin 0.09% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$4.7B +2.4% YoY +0.5% QoQ	+$1.9B	$2.8B -0.1% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	84%
Total Loans ?	$3.5B +3.1% YoY +0.4% QoQ	+$1.6B	$2.0B +0.6% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	Top 14.5% in tier
Total Deposits ?	$3.6B +3.7% YoY +7.0% QoQ	+$1.3B	$2.3B -0.3% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	82%
Return on Assets ?	1.91% +51.3% YoY +43.7% QoQ	+0.55%	1.37% +19.6% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	Top 12.7% in tier
Net Interest Margin ?	3.73% +18.3% YoY +9.5% QoQ	-0.09%	3.82% +6.9% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	55%
Efficiency Ratio ?	46.43% -3.8% YoY +0.2% QoQ	-14.63%	61.06% -4.6% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	Top 13.5% in tier
Delinquency Rate ?	0.54% -33.5% YoY -6.2% QoQ	-0.35%	0.89% +14.1% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	51%
Loan-to-Deposit Ratio ?	97.74% -0.5% YoY -6.3% QoQ	+13.54%	84.20% +0.3% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	18%
Non-Interest-Bearing Deposit Share ?	17.07% +1.9% YoY -3.6% QoQ	-4.22%	21.29% -2.5% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	36%
Nonperforming Asset Ratio ?	0.42% -34.0% YoY -5.9% QoQ	-0.26%	0.67% +15.6% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	51%
Tier 1 Capital Ratio ?	13.02% +3.3% YoY +0.6% QoQ	-2.14%	15.16% +2.0% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	48%
Non-Interest Income / Assets ?	0.18% +3.6% YoY -74.9% QoQ	-0.07%	0.26% +1.6% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	66%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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

#43 of 221 • Top 19.0% in tier

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

Why this signature

Return on Assets: 1.91%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ

Concerns (1)

Liquidity Strain

risk

#103 of 334 • Bottom 30.5% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 97.74%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

334 of 334 Mid-Market banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

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).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (5 metrics)

113

Return on Assets

profitability

Value: 1.91%

Peer Median: 1.37%

#113 of 884 Top 12.7% in $1B-$10B

120

Efficiency Ratio

profitability

Value: 46.43%

Peer Median: 61.06%

#120 of 884 Top 13.5% in $1B-$10B

129

Total Loans

size

Value: $3.53B

Peer Median: $1.96B

#129 of 884 Top 14.5% in $1B-$10B

140

Total Assets

size

Value: $4.67B

Peer Median: $2.82B

#140 of 884 Top 15.7% in $1B-$10B

157

Total Deposits

size

Value: $3.61B

Peer Median: $2.34B

#157 of 884 Top 17.6% in $1B-$10B

Top Weaknesses (1 metrics)

727

Loan-to-Deposit Ratio

liquidity

Value: 97.74%

Peer Median: 84.20%

#727 of 884 Bottom 17.9% in $1B-$10B