Hills Bank and Trust Company: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loans held for sale: 65.0% higher than in Q1 2026, at $8.6M. 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). Hills Bank and Trust Company reported 103.77% on loan-to-deposit ratio for Q2 2026, 15.56 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $3.66B |
| Net loans and leases | $3.60B |
| Loans held for sale | $8.6M |
| Loans to total assets | 76.29% |
| Loan-to-deposit ratio | 103.77% |
| Net loans to equity capital | 5.77% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.91% |
| Multifamily (5+ residential) | 14.65% |
| Commercial and industrial | 7.97% |
| Consumer | 0.68% |
| Credit cards | 0.21% |
| Farm | 7.54% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.15% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 171.19% |
| Construction concentration (Tier 1 capital + allowance) | 51.69% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.77% |
| Interest income on loans | $52.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $3.37B | $3.36B | 12.42% | 8.71% | 1.16% |
| Q4 2023 | $3.44B | $3.28B | 12.11% | 8.93% | 1.15% |
| Q1 2024 | $3.45B | $3.36B | 13.12% | 9.05% | 1.08% |
| Q2 2024 | $3.45B | $3.24B | 13.65% | 9.21% | 1.09% |
| Q3 2024 | $3.43B | $3.38B | 14.31% | 8.97% | 1.06% |
| Q4 2024 | $3.44B | $3.35B | 14.47% | 8.68% | 0.99% |
| Q1 2025 | $3.47B | $3.48B | 14.39% | 8.67% | 1.02% |
| Q2 2025 | $3.52B | $3.34B | 14.65% | 8.88% | 0.93% |
| Q3 2025 | $3.56B | $3.38B | 14.55% | 8.65% | 0.88% |
| Q4 2025 | $3.57B | $3.37B | 15.82% | 8.27% | 0.78% |
| Q1 2026 | $3.58B | $3.61B | 15.83% | 8.20% | 0.73% |
| Q2 2026 | $3.66B | $3.53B | 15.91% | 7.97% | 0.68% |
Hills Bank and Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Hills Bank and Trust Company, freeSource: Call Report Schedule RC-C, 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)