HILLS BANK AND TRUST COMPANY

HILLS, IA | Large | Est. Jan. 1, 1904, midnight | FDIC #14650 | RSSD #731247 | FDIC
Latest Report: 2025-12-31

HILLS BANK AND TRUST COMPANY is aln large FDIC-insured commercial bank headquartered in HILLS, IA, established in Jan. 1, 1904, midnight. As of 2025-12-31, the bank reported total assets of $4.6B and total deposits of $3.4B. Profitability stands at 1.37% ROA and 10.76% ROE, with a net interest margin of 3.78%. The bank's CET1 capital ratio is 12.89%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.49% and a Texas Ratio of 2.73%. FDIC Certificate #14650.

Assets

$4.6B

Deposits

$3.4B

Loans

$3.6B

Equity

$604M

Profitability

Return on Assets (ROA) 1.37%
Return on Equity (ROE) 10.76%
Net Interest Margin (NIM) 3.78%
Yield on Assets 5.68%
Cost of Funds 2.98%

Asset Quality

NPL Ratio 0.49%
Net Charge-Off Ratio 0.10%
Texas Ratio 2.73%
NPA Ratio 0.39%
ACL / Loans 1.63%

Capital & Liquidity

CET1 Ratio 12.89%
Tier 1 Capital 12.89%
Total Capital Ratio 13.54%
Leverage Ratio 12.97%
Loan-to-Deposit 105.98%

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