Hills Bank and Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Hills Bank and Trust Company of Hills, IA against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.26% | 1.46% | +0.80% | 93rd top |
| ROAE | 17.42% | 12.71% | +4.71% | 82nd top |
| Net Interest Margin | 3.87% | 3.85% | +0.02% | 61st above |
| Efficiency Ratio | 42.51% | 57.43% | -14.92% | 89th top |
| PPNR / Avg Assets | 2.57% | 1.88% | +0.69% | 89th top |
| Yield on Earning Assets | 5.49% | 5.72% | -0.23% | 48th below |
| Cost of Funds | 1.83% | 2.02% | -0.19% | 60th above |
| Net Interest Spread | 3.34% | 3.18% | +0.16% | 67th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.82% | 1.00% | -0.18% | 39th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.63% | 0.76% | -0.13% | 40th below |
| NCO / Avg Loans | -0.07% | 0.43% | -0.50% | 98th top |
| ACL / Total Loans | 1.50% | 1.31% | +0.19% | 86th top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 183.32% | 544.04% | -360.72% | 52nd above |
| Texas Ratio | 4.60% | 7.39% | -2.79% | 52nd above |
| Provision / NCO | -10843.33% | 643.80% | -11487.13% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.36% | 11.43% | +1.93% | 87th top |
| Equity / Assets | 13.03% | 11.33% | +1.70% | 84th top |
| TCE / Tangible Assets | 12.98% | 10.50% | +2.48% | 88th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 103.77% | 86.92% | +16.85% | 10th bottom |
| Core Deposit Ratio | 91.62% | 85.54% | +6.08% | 65th above |
| Uninsured Deposit Ratio | 23.81% | 33.14% | -9.33% | 74th above |
| Wholesale Funding Ratio | 12.95% | 5.69% | +7.26% | 9th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 4.16% | 9.69% | -5.53% | 43rd below |
| Loan Growth (Y/Y) | 3.86% | 8.06% | -4.20% | 40th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.66% | 7.87% | -2.21% | 56th above |
See Hills Bank and Trust Company's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Hills Bank and Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Hills Bank and Trust Company profile, how to read a UBPR, or how this data updates.