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.
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