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Rolling Hills Bank & Trust
Atlantic, IA · FDIC Certificate #15334 · Chartered 07/0
Total assets
$484.41M
Total deposits
$416.19M
Total equity
$63.43M
Net loans
$378.35M
Branches (offices)
12
Net income (YTD)
$3.47M
Rank: #1,829 of 4,213 U.S. banks by assets · #66 of 225 in Iowa. Assets changed 4.2% and deposits 6.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.45% |
| Return on equity | 11.12% |
| Net interest margin (YTD) | 4.12% |
| Equity to assets | 13.09% |
| Tier 1 leverage ratio | 11.85% |
| Uninsured deposits (share of deposits) | 26.2% |
| Noncurrent loans (share of loans) | 0.30% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 90.9% |
| Real estate loans (share of loans) | 76.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $289.84M | 76.6% | |
| Commercial & industrial | $27.71M | 7.3% | |
| Consumer / individual | $3.50M | 0.9% | |
| Construction & development | $31.20M | 8.2% | |
| Agricultural | $59.68M | 15.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $425.85M | $372.14M | $2.17M | $44.19M |
| Jun 2023 | $444.30M | $379.83M | $3.42M | $49.45M |
| Jun 2024 | $435.12M | $373.00M | $2.98M | $54.32M |
| Jun 2025 | $464.85M | $391.23M | $3.33M | $58.92M |
| Jun 2026 | $484.41M | $416.19M | $3.47M | $63.43M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $359.35M | 9 |
| Minnesota | $35.87M | 2 |
| Wyoming | $20.97M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $416.19M.
Similar-sized banks
American Eagle Bank ($484.74M) · Ohio State Bank ($483.98M)
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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