ROLLING HILLS BANK & TRUST

ATLANTIC, IA | Small | Est. July 1, 1876, midnight | FDIC #15334 | RSSD #882242 | FED
Latest Report: 2025-12-31

ROLLING HILLS BANK & TRUST is asn small FDIC-insured commercial bank headquartered in ATLANTIC, IA, established in July 1, 1876, midnight. As of 2025-12-31, the bank reported total assets of $472M and total deposits of $405M. Profitability stands at 1.30% ROA and 9.80% ROE, with a net interest margin of 4.12%. The bank's CET1 capital ratio is 10.52%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.06% and a Texas Ratio of 0.31%. FDIC Certificate #15334.

Assets

$472M

Deposits

$405M

Loans

$364M

Equity

$62M

Profitability

Return on Assets (ROA) 1.30%
Return on Equity (ROE) 9.80%
Net Interest Margin (NIM) 4.12%
Yield on Assets 5.82%
Cost of Funds 1.83%

Asset Quality

NPL Ratio 0.06%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.31%
NPA Ratio 0.04%
ACL / Loans 1.06%

Capital & Liquidity

CET1 Ratio 10.52%
Tier 1 Capital 10.52%
Total Capital Ratio 11.04%
Leverage Ratio 12.04%
Loan-to-Deposit 89.84%

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