Hills Bank and Trust Company: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Loans and leases to core deposits: 6.00 percentage points higher than in Q1 2026, at 111.99%. On loan-to-deposit ratio, Hills Bank and Trust Company ranks 21st highest among the 225 banks headquartered in Iowa, at 103.77% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Hills Bank and Trust Company sits 15.56 points higher, at 103.77% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $42.1M |
| Cash and noninterest-bearing balances to assets | 0.87% |
| Cash and securities | $1.05B |
| Fed funds sold and reverse repos | $206K |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $621.1M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 12.95% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 103.77% |
| Net loans and leases to deposits | 102.21% |
| Loans and leases to core deposits | 111.99% |
| Core deposits to total deposits | 91.62% |
| Brokered deposits to total deposits | 1.03% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 100.15% | 93.30% | $160.0M | $206.0M |
| Q4 2023 | 104.78% | 93.37% | $0 | $517.9M |
| Q1 2024 | 102.45% | 93.70% | $110.0M | $373.6M |
| Q2 2024 | 106.69% | 93.16% | $152.0M | $403.8M |
| Q3 2024 | 101.51% | 91.73% | $103.7M | $376.4M |
| Q4 2024 | 102.81% | 92.37% | $437.6M | $238.0M |
| Q1 2025 | 99.80% | 93.06% | $0 | $511.8M |
| Q2 2025 | 105.56% | 92.49% | $391.4M | $286.8M |
| Q3 2025 | 105.29% | 92.98% | $588.7M | $76.6M |
| Q4 2025 | 105.98% | 92.91% | $586.9M | $64.3M |
| Q1 2026 | 99.31% | 92.70% | $0 | $444.3M |
| Q2 2026 | 103.77% | 91.62% | $0 | $621.1M |
Hills Bank and Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Hills Bank and Trust Company, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Hills Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14650) · FFIEC NIC profile (RSSD 731247)