BanksHILLS BANK AND TRUST COMPANY

HILLS BANK AND TRUST COMPANY

HILLS, IALargeEst. Jan. 1, 1904, midnightFDIC #14650RSSD #731247FDIC
Latest · 2025-12-31

HILLS BANK AND TRUST COMPANY is an 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%. CET1 capital ratio: 12.94%, well above regulatory minimums. NPL ratio: 0.49% · Texas Ratio: 2.73%. Operates 20 domestic branches.

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 Margin3.78%
Yield on Assets5.68%
Cost of Funds2.35%

Asset Quality

NPL Ratio0.49%
Net Charge-Off Ratio0.10%
Texas Ratio2.73%
NPA Ratio0.39%
ACL / Loans1.63%

Capital & Liquidity

CET1 Ratio12.94%
Tier 1 Capital12.94%
Total Capital Ratio13.59%
Leverage Ratio12.97%
Loan-to-Deposit105.98%

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