Hills Bank and Trust Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 4.46 percentage points higher than in Q1 2026, at 103.77%. On return on assets, Hills Bank and Trust Company ranks 17th highest among the 225 banks headquartered in Iowa, at 2.26% (Q2 2026). Against a median of 1.28% for banks in the $1B-10B asset tier, Hills Bank and Trust Company reported 2.26% on return on assets in Q2 2026, 0.98 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.36% |
| Equity capital to assets | 13.03% |
| Tangible equity to tangible assets | 12.98% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.82% |
| Non-performing assets ratio | 0.63% |
| Net charge-off ratio | -0.07% |
| Texas ratio | 4.60% |
| Allowance for credit losses to loans | 1.50% |
| Reserve coverage of non-performing loans | 183.32% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.26% |
| Return on equity | 17.42% |
| Net interest margin | 3.87% |
| Efficiency ratio | 42.51% |
| Yield on earning assets | 5.49% |
| Cost of funds | 1.83% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 103.77% |
| Core deposits to total deposits | 91.62% |
| Brokered deposits to total deposits | 1.03% |
| Deposits to assets | 73.52% |
| Securities to assets | 21.12% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 12.94% | 0.71% | 2.78% | 1.11% | 0.26% |
| Q4 2023 | 12.82% | 0.67% | 2.66% | 1.02% | 0.47% |
| Q1 2024 | 12.43% | 1.11% | 2.61% | 1.07% | -0.00% |
| Q2 2024 | 12.75% | 1.16% | 2.66% | 1.02% | 0.10% |
| Q3 2024 | 12.76% | 1.12% | 2.78% | 0.98% | 0.20% |
| Q4 2024 | 12.71% | 1.03% | 2.85% | 0.89% | 0.04% |
| Q1 2025 | 12.60% | 1.29% | 3.13% | 1.00% | 0.12% |
| Q2 2025 | 12.85% | 1.68% | 3.38% | 0.81% | 0.00% |
| Q3 2025 | 12.82% | 1.14% | 3.46% | 0.85% | 0.09% |
| Q4 2025 | 12.94% | 1.28% | 3.61% | 0.83% | 0.18% |
| Q1 2026 | 13.02% | 1.92% | 3.74% | 0.87% | 0.08% |
| Q2 2026 | 13.36% | 2.26% | 3.87% | 0.82% | -0.07% |
Hills Bank and Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Hills Bank and Trust Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)