TellerScore

Hills Bank and Trust Company (FDIC certificate #14650) is based in Hills, Iowa. Its Q2 2026 call report shows $4.8B in total assets and $3.5B in deposits and 21 offices.

Based on its Q2 2026 filing, Hills Bank and Trust Company scores 84/100, which we describe as strong. That is higher than 95% of 897 banks with $1 billion – $10 billion. Among 226 banks headquartered in Iowa, it ranks 33rd. Its strongest component is earnings (100/100; 2.08%), and its lowest is funding & liquidity (48/100; 102% loans-to-deposits, 24% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion84/100
Tier 1 leverage ratio: 13.36%
Loan quality87/100
Noncurrent loans ÷ total loans: 0.40%
Earnings100/100
Return on assets (annualized): 2.08%
Funding & liquidity48/100
Loans ÷ deposits and uninsured-deposit share: 102.2% · 23.8% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.21%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 9 points (75 → 84), mostly because the earnings component improved by 22 points.

TellerScore
717884Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202471
Q3 202471
Q4 202472
Q1 202572
Q2 202575
Q3 202575
Q4 202575
Q1 202681
Q2 202684
Tier 1 leverage ratio
5.00%9.18%13.36%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.75%
Q3 202412.76%
Q4 202412.71%
Q1 202512.60%
Q2 202512.85%
Q3 202512.82%
Q4 202512.94%
Q1 202613.02%
Q2 202613.36%
Noncurrent loans
0.40%0.62%0.83%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.83%
Q3 20240.83%
Q4 20240.72%
Q1 20250.80%
Q2 20250.63%
Q3 20250.52%
Q4 20250.56%
Q1 20260.53%
Q2 20260.40%
Return on assets
1.10%1.59%2.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.13%
Q3 20241.13%
Q4 20241.10%
Q1 20251.27%
Q2 20251.46%
Q3 20251.35%
Q4 20251.33%
Q1 20261.91%
Q2 20262.08%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202684$4.8B13.36%0.40%2.08%102.2%
Q1 202681$4.7B13.02%0.53%1.91%97.7%
Q4 202575$4.6B12.94%0.56%1.33%104.3%
Q3 202575$4.7B12.82%0.52%1.35%103.5%
Q2 202575$4.6B12.85%0.63%1.46%103.9%
Q1 202572$4.6B12.60%0.80%1.27%98.3%
Q4 202472$4.6B12.71%0.72%1.10%101.3%
Q3 202471$4.4B12.76%0.83%1.13%100.0%
Q2 202471$4.3B12.75%0.83%1.13%105.2%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.36%
87th
Total risk-based capital0.00%
13th
Problem loans0.40%
60th
Net charge-offs0.00%
76th
Return on assets2.08%
91st
Net interest margin3.79%
55th
Efficiency ratio44.8%
88th
Loans to deposits102.2%
10th
Uninsured deposits23.8%
73rd
Loan-loss reserves1.50%
86th
Texas ratio2.2%
67th

Similar-size banks in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
West BankBank West Des Moines, IA71 out of 100, Strong$4.0B10.8%0.00%vs
Northwest BankBank Spencer, IA70 out of 100, Strong$3.0B10.1%0.23%vs
Cedar Rapids Bank and Trust CompanyBank Cedar Rapids, IA87 out of 100, Very strong$2.9B16.9%0.54%vs
Quad City Bank and Trust CompanyBank Bettendorf, IA70 out of 100, Strong$2.8B11.0%0.51%vs
Fidelity Bank & TrustBank Dubuque, IA55 out of 100, Moderate$2.6B9.0%1.26%vs
United Bank of IowaBank Ida Grove, IA73 out of 100, Strong$2.5B10.3%0.26%vs

Deposit insurance

Is my money safe at Hills Bank and Trust Company?

Yes. Hills Bank and Trust Company is an FDIC-insured institution (FDIC certificate #14650). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 23.8% of deposits ($839.3M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.36%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

21 locations

Branches

Hills Bank and Trust Company lists 19 offices in 12 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Hills Bank and Trust Company reported 3,399 home-loan applications under HMDA (LEI 549300ZWA6HRT4N1Z222): 2,876 originated ($633,840,000 total), 212 denied, and 199 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
Visa Platinum Credit Card11.75% – 15.75%$0$271.0%

All Hills Bank And Trust Company card terms

Identity & history

Profile

Legal name
Hills Bank and Trust Company
Former names
Hills Savings Bank; Hills Bank & Trust Company
Type
State-chartered bank
FDIC certificate #
14650
RSSD ID
731247
Primary regulator
FDIC
Holding company
Hills Bcorp
Established
January 1, 1904
Headquarters
131 Main St, Hills, IA 52235
Employees
497

Quick answers

Hills Bank and Trust Company: common questions

Is Hills Bank and Trust Company FDIC insured?

Yes. Hills Bank and Trust Company is an FDIC-insured institution (FDIC certificate #14650). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Hills Bank and Trust Company's TellerScore?

84 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Hills Bank and Trust Company ever failed?

There is no failure record for FDIC certificate #14650 in the FDIC failed bank list.

How many branches does Hills Bank and Trust Company have?

21 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Hills

InstitutionScoreAssetsCapitalProblem loansCompare
Farmers State BankBank Marion, IA91 out of 100, Very strong$1.1B14.4%0.21%vs
Farmers and Merchants Savings BankBank Iowa City, IA83 out of 100, Strong$122.5M13.6%0.00%vs
Federation BankBank Washington, IA83 out of 100, Strong$155.8M10.5%0.20%vs
Heartland Bank and Trust CompanyBank Bloomington, IL80 out of 100, Strong$6.7B11.9%0.19%vs
Washington State BankBank Washington, IA78 out of 100, Strong$601.1M12.5%0.49%vs
South Ottumwa Savings BankBank Ottumwa, IA77 out of 100, Strong$565.4M13.0%0.83%vs