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Hills Bank And Trust Company
Hills, IA · FDIC Certificate #14650 · Chartered 01/0
Total assets
$4.79B
Total deposits
$3.53B
Total equity
$624.72M
Net loans
$3.60B
Branches (offices)
20
Net income (YTD)
$48.92M
Rank: #293 of 4,213 U.S. banks by assets · #3 of 225 in Iowa. Assets changed 4.2% and deposits 5.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.08% |
| Return on equity | 16.08% |
| Net interest margin (YTD) | 3.79% |
| Equity to assets | 13.03% |
| Tier 1 leverage ratio | 13.36% |
| Uninsured deposits (share of deposits) | 23.8% |
| Noncurrent loans (share of loans) | 0.40% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 102.2% |
| Real estate loans (share of loans) | 88.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $3.19B | 88.5% | |
| Commercial & industrial | $291.47M | 8.1% | |
| Consumer / individual | $24.77M | 0.7% | |
| Construction & development | $354.07M | 9.8% | |
| Agricultural | $110.08M | 3.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $3.94B | $3.45B | $22.20M | $468.20M |
| Jun 2023 | $4.13B | $3.28B | $23.90M | $492.79M |
| Jun 2024 | $4.34B | $3.24B | $24.65M | $522.51M |
| Jun 2025 | $4.60B | $3.34B | $33.44M | $561.18M |
| Jun 2026 | $4.79B | $3.53B | $48.92M | $624.72M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $3.53B | 20 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $3.53B.
Similar-sized banks
Carter Bank & Trust ($4.80B) · Wheaton Bank & Trust, National Association ($4.79B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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