Hills Bank and Trust Company: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Compared with Q1 2026, Net interest margin rose 0.13 percentage points in Q2 2026 to 3.87%, the biggest move on this page. Hills Bank and Trust Company ranks 69th of 225 Iowa banks on net interest margin, in the upper half at 3.87% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Hills Bank and Trust Company sits 0.16 points higher, at 3.87% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.49% |
| Yield on loans | 5.77% |
| Yield on securities | 4.32% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.83% |
| Cost of interest-bearing deposits | 1.82% |
| Cost of interest-bearing liabilities | 2.15% |
| Cost of borrowings | 3.94% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.87% |
| Yield to cost spread | 3.34% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $52.3M |
| Total interest expense | $18.7M |
| Interest expense on deposits | $13.4M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 4.32% | 1.56% | 2.78% | 4.85% | 1.93% |
| Q4 2023 | 4.44% | 1.76% | 2.66% | 4.95% | 2.04% |
| Q1 2024 | 4.57% | 1.99% | 2.61% | 5.06% | 2.34% |
| Q2 2024 | 4.68% | 2.07% | 2.66% | 5.17% | 2.47% |
| Q3 2024 | 4.85% | 2.12% | 2.78% | 5.34% | 2.75% |
| Q4 2024 | 4.88% | 2.09% | 2.85% | 5.38% | 3.05% |
| Q1 2025 | 5.02% | 2.13% | 3.13% | 5.36% | 3.69% |
| Q2 2025 | 5.25% | 2.11% | 3.38% | 5.59% | 3.85% |
| Q3 2025 | 5.33% | 2.12% | 3.46% | 5.67% | 3.94% |
| Q4 2025 | 5.39% | 2.01% | 3.61% | 5.69% | 4.11% |
| Q1 2026 | 5.38% | 1.84% | 3.74% | 5.65% | 4.24% |
| Q2 2026 | 5.49% | 1.83% | 3.87% | 5.77% | 4.32% |
Hills Bank and Trust Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Hills Bank and Trust Company, freeSource: Call Report Schedules RI and RC-K, 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)