Rolling Hills Bank & Trust
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Data as of · sourced from FFIEC call reports. How we update
Rolling Hills Bank & Trust is an FDIC-insured commercial bank headquartered in Atlantic, IA, established in 1876 (FDIC certificate 15334), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $484.4M, up 4.2% from Q2 2025, the 66th largest of 225 banks headquartered in Iowa. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.85% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 15334
- Headquarters
- Atlantic, IA
- Established
- 1876
- Total assets, Q2 2026
- $484.4M
- Assets vs Q2 2025
- +4.2%
- Tier 1 leverage ratio, Q2 2026
- 11.85%
- Domestic offices
- 12 FDIC institution directory, current count
- Routing number
- 073905912
- Latest call report
- Q2 2026, FFIEC 051 · Rolling Hills Bank & Trust call report
- Holding company
- ANITA BANCORPORATION
- Asset rank in state
- 66th of 225 in Iowa
Rolling Hills Bank & Trust runs leaner than most banks of its size. Based in Atlantic, Iowa, it had $484 million in assets at June 30, 2026, up 4.2% from a year earlier. It spends about 49 cents to bring in each dollar of revenue, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents).
Problem loans have nearly tripled in a year: loans on nonaccrual or 90 or more days past due, net of government guarantees are 0.30% of loans, against 0.09% a year earlier.
As of June 30, 2026, Rolling Hills Bank & Trust reported a return on assets of 1.49%, a nonperforming-loan ratio of 0.30% and a Texas ratio of 1.87%. The figures come from its call report filed with the FFIEC.
Rolling Hills Bank & Trust ranks as the 66th largest of the 225 banks based in Iowa, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.5% to $484.4M, loans rose 1.9% and deposits rose 0.2%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 36.0% of total loans, followed by agricultural production loans at 15.6%. Its 12 offices in the FDIC Summary of Deposits are in 12 cities across 3 states; its Atlantic office books 34% of its branch deposits. On its Q2 2026 call report, Rolling Hills Bank & Trust meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 1307 E 7th St, Atlantic, IA 50022
- County
- Cass
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- July 1, 1876
- Former names
- Rolling Hills National Bank (1989-1995)
- Domestic offices
- 12 FDIC institution directory, current count
- Employees (FTE)
- 67
- Domestic deposits
- $416.2M
- Allowance for credit losses
- $4.3M
- Net charge-offs (YTD)
- $6K
- Average total assets
- $484.1M
- Average total loans
- $380.1M
- Average interest-bearing deposits
- $332.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 13, 1936
- FDIC Cert
- 15334
- Fed RSSD
- 882242
- SEC CIK
- 793792 → filed by ANITA BANCORPORATION
- Website
- www.rollinghillsbank.com →
- Parent Holding Company
- ANITA BANCORPORATION (RSSD 1202838)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Rolling Hills Bank & Trust reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Rolling Hills Bank & Trust's total assets moved between a low of $431.2M (Q3 2024) and a high of $484.4M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$484.4M total assets against $464.8M; $421.0M total liabilities against $405.9M.
$378.4M net loans and leases against $359.1M; $416.2M total deposits against $391.2M.
$59.1M securities against $51.8M; $21.8M cash and balances due against $29.0M.
$6.5M total interest income against $6.2M; $1.8M total interest expense against $1.8M.
$4.7M net interest income against $4.4M.
$317K total noninterest income against $307K; $2.5M total noninterest expense against $2.3M.
$225K provision for credit losses against $75K.
$1.8M net income against $1.8M.
1.49% return on assets against 1.53%; 4.10% net interest margin against 4.00%.
11.85% tier 1 leverage ratio against 11.29%.
Inside the full Rolling Hills Bank & Trust terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeRolling Hills Bank & Trust rankings
Its closest position to the top of a national ranking is 717 of 3,606, for efficiency ratio; its furthest is 2,311 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.30% (Q4 2025) to 1.55% (Q3 2025) and its net interest margin ran from 3.76% (Q1 2025) to 4.12% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.85% | 1.49% | 0.30% | 1.87% | 4.10% |
| Q1 2026 | 11.66% | 1.40% | 0.05% | 0.34% | 4.04% |
| Q4 2025 | 12.04% | 1.30% | 0.06% | 0.35% | 4.05% |
| Q3 2025 | 11.83% | 1.55% | 0.06% | 0.37% | 4.12% |
| Q2 2025 | 11.29% | 1.53% | 0.09% | 0.56% | 4.00% |
| Q1 2025 | 10.76% | 1.32% | 0.00% | 0.00% | 3.76% |
| Q4 2024 | 11.43% | 1.31% | 0.01% | 0.05% | 3.89% |
| Q3 2024 | 11.58% | 1.44% | 0.00% | 0.00% | 3.93% |
Swipe the table sideways to see every column.
Branch Network
View all 12 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Rolling Hills Bank & Trust (main office) | Atlantic , IA | 50022 | $140.6M |
| Griswold Branch | Griswold , IA | 51535 | $40.6M |
| Anita Branch | Anita , IA | 50020 | $38.5M |
| Carson Branch | Carson , IA | 51525 | $33.9M |
| Casey Branch | Casey , IA | 50048 | $31.1M |
| Stuart Branch | Stuart , IA | 50250 | $28.2M |
| Wheatland Branch | Wheatland , WY | 82201 | $21.0M |
| Brewster Branch | Brewster , MN | 56119 | $19.4M |
| Walnut Branch | Walnut , IA | 51577 | $16.7M |
| Adair Branch | Adair , IA | 50002 | $16.5M |
| Worthington Branch | Worthington , MN | 56187 | $16.4M |
| Rippey Savings Branch | Rippey , IA | 50235 | $13.1M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 4, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 4, 2009 | Structure Change | Acquired The First National Bank of Brewster Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 29, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 29, 2008 | Structure Change | Acquired Metabank West Central Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 18, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 18, 2001 | Structure Change | Acquired Rippey Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 6, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 6, 1995 | Structure Change | Acquired Griswold State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in IA, rank 81 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 69 applications, 64 loans originated, $12.4M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $1.5M approved, $1.5M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Rolling Hills Bank & Trust
What are Rolling Hills Bank & Trust's total assets?
As of the Q2 2026 filing, Rolling Hills Bank & Trust reported total assets of $484.4 million in its FFIEC call report.
Where is Rolling Hills Bank & Trust headquartered?
It is headquartered in Atlantic, IA, United States.
When was Rolling Hills Bank & Trust founded?
It was established in 1876, per the FDIC institution directory.
Is Rolling Hills Bank & Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15334). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Rolling Hills Bank & Trust?
Rolling Hills Bank & Trust's primary federal regulator is the Federal Reserve.
How many branches does Rolling Hills Bank & Trust operate?
It operates 12 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Rolling Hills Bank & Trust's Texas Ratio?
Its Texas Ratio is 1.87% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Rolling Hills Bank & Trust previously called?
The charter now named Rolling Hills Bank & Trust has also operated as Rolling Hills National Bank (1989-1995), per FDIC structure-change records.
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