BlastPoint's Banking Scorecard

Rolling Hills Bank & Trust

$100M-$1B Specialty: Agricultural IA FDIC cert 15334

Atlantic, IA

12 branches across IA · MN · WY

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 167 in IA.
Deposits +6.4% year over year ($416.2M on the books).
Delinquency rate 0.30%.
Return on assets 1.45%.
Efficiency ratio 50.11% vs a 64.48% peer average.
Loan-to-deposit ratio 90.91% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 167 in IA

View $100M-$1B leaderboard (IA) →

Rolling Hills Bank & Trust has 4 strengths but faces 3 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

+ ROA 0.13% above tier average
+ Net Interest Margin 0.13% above tier average
+ Efficiency Ratio 14.37% below tier average
+ Delinquency Rate 0.62% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 21.1% in tier
- Credit Risk Growth: Bottom 28.0% in tier
- Credit Quality Pressure: Bottom 33.7% in tier

Get updates when Rolling Hills Bank & Trust releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$484.4M +4.2% YoY +0.5% QoQ	+$97.8M	$386.6M +1.2% YoY	$566.2M +5.8% YoY	$6.3B +7.7% YoY	70%
Total Loans ?	$378.4M +5.4% YoY +1.9% QoQ	+$120.0M	$258.3M +1.7% YoY	$385.0M +5.4% YoY	$3.2B +9.4% YoY	77%
Total Deposits ?	$416.2M +6.4% YoY +0.2% QoQ	+$89.5M	$326.7M +0.7% YoY	$472.4M +6.3% YoY	$4.9B +7.3% YoY	71%
Return on Assets ?	1.45% +1.4% YoY +3.6% QoQ	+0.13%	1.32% +10.8% YoY	1.58% +39.1% YoY	1.30% +12.1% YoY	62%
Net Interest Margin ?	4.12% +4.4% YoY +1.2% QoQ	+0.13%	3.99% +5.0% YoY	3.58% +9.0% YoY	3.95% +4.9% YoY	60%
Efficiency Ratio ?	50.11% -0.1% YoY -1.8% QoQ	-14.37%	64.48% -3.2% YoY	57.74% -6.0% YoY	70.05% +2.5% YoY	83%
Delinquency Rate ?	0.30% +244.6% YoY +458.7% QoQ	-0.62%	0.92% +15.7% YoY	0.99% +12.8% YoY	0.98% +16.3% YoY	57%
Loan-to-Deposit Ratio ?	90.91% -0.9% YoY +1.7% QoQ	+12.96%	77.95% +1.0% YoY	80.39% +2.7% YoY	79.03% +2.3% YoY	24%
Non-Interest-Bearing Deposit Share ?	20.11% -4.8% YoY -4.2% QoQ	-1.92%	22.03% -0.6% YoY	17.72% +0.8% YoY	21.98% -0.6% YoY	46%
Nonperforming Asset Ratio ?	0.23% +248.5% YoY +466.7% QoQ	-0.43%	0.67% +16.4% YoY	0.63% +7.9% YoY	0.69% +15.8% YoY	57%
Tier 1 Capital Ratio ?	11.85% +4.9% YoY +1.6% QoQ	-4.06%	15.91% +1.4% YoY	14.69% +3.0% YoY	17.09% +0.8% YoY	34%
Non-Interest Income / Assets ?	0.13% +1.8% YoY +106.1% QoQ	-0.44%	0.57% +7.6% YoY	0.24% +5.5% YoY	0.66% +5.2% YoY	27%

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	20.1% -1.0pp YoY -0.9pp QoQ	-2.0pp	22.1%	17.8%	22.2%	46%
Brokered Deposits	1.2% +1.1pp YoY +0.1pp QoQ	-6.6pp	7.9%	6.0%	8.5%	21%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
C&I	7.3% -1.5pp YoY -0.2pp QoQ	-4.2pp	11.6%	12.8%	12.5%	35%
CRE	28.4% +0.8pp YoY -0.6pp QoQ	-11.2pp	39.5%	28.3%	41.4%	32%
1-4 Family	11.8% -0.4pp YoY +0.3pp QoQ	-20.8pp	32.6%	23.0%	31.3%	14%
Consumer	0.9% -0.1pp YoY 0.0pp QoQ	-3.2pp	4.1%	2.9%	5.0%	26%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	15.4%	19.7%	n/a
Leverage Ratio	11.8% +0.6pp YoY +0.2pp QoQ	-0.3pp	12.2%	12.4%	12.6%	63%
Total Capital Ratio	n/a	n/a	19.9%	16.5%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Full-Time Employees	67 -1 (-1.5%) YoY -1 (-1.5%) QoQ	+8	58	64	482	68%
Assets per Employee ($)	$7.2M +5.8% YoY +2.0% QoQ	-$288K	$7.5M	$8.9M	$8.8M	56%
Branch Count	12 0 YoY 0 QoQ	+7	4	5	18	95%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	0.3% +0.2pp YoY +0.2pp QoQ	-0.6pp	0.9%	1.0%	1.0%	38%
Allowance Coverage	3.76x -68.4% YoY -81.5% QoQ	-20.39x	24.15x	18.97x	20.23x	64%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY	-0.1pp	0.1%	0.1%	0.2%	35%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
ROE	11.1% -0.4pp YoY +0.3pp QoQ	-1.1pp	12.2%	12.8%	11.6%	44%
Cost of Funds (YTD)	1.6% -0.2pp YoY 0.0pp QoQ	-0.1pp	1.7%	1.8%	1.7%	42%
Net Income ($, YTD)	$3.5M +4.4% YoY — QoQ	+$919K	$2.6M	$4.0M	$40.4M	75%

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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 (0)

No matched strength signatures this quarter

Concerns (3)

Liquidity Strain

risk

#147 of 691 • Bottom 21.1% 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: 90.91%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ

Credit Risk Growth

risk

#263 of 936 • Bottom 28.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk

#424 of 1256 • Bottom 33.7% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.30%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank declining

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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

453

Efficiency Ratio

profitability

Value: 50.11%

Peer Median: 64.48%

#453 of 2643 Top 17.1% in $100M-$1B

612

Total Loans

size

Value: $378.35M

Peer Median: $258.35M

#612 of 2643 Top 23.1% in $100M-$1B

Top Weaknesses (1 metrics)

2003

Loan-to-Deposit Ratio

liquidity

Value: 90.91%

Peer Median: 77.95%

#2003 of 2643 Bottom 24.3% in $100M-$1B