TellerScore

Rolling Hills Bank & Trust (FDIC certificate #15334) is based in Atlantic, Iowa. Its Q2 2026 call report shows $484.4M in total assets and $416.2M in deposits and 12 offices across 3 states.

Based on its Q2 2026 filing, Rolling Hills Bank & Trust scores 77/100, which we describe as strong. That is higher than 68% of 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 78th. Its strongest component is problem-loan coverage (97/100; 1.7%), and its lowest is funding & liquidity (57/100; 91% loans-to-deposits, 26% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion68/100
Tier 1 leverage ratio: 11.85%
Loan quality90/100
Noncurrent loans ÷ total loans: 0.30%
Earnings78/100
Return on assets (annualized): 1.45%
Funding & liquidity57/100
Loans ÷ deposits and uninsured-deposit share: 90.9% · 26.2% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.67%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (77 → 77).

TellerScore
767880Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202477
Q3 202478
Q4 202478
Q1 202576
Q2 202577
Q3 202579
Q4 202580
Q1 202679
Q2 202677
Tier 1 leverage ratio
5.00%8.52%12.04%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.08%
Q3 202411.58%
Q4 202411.43%
Q1 202510.76%
Q2 202511.29%
Q3 202511.83%
Q4 202512.04%
Q1 202611.66%
Q2 202611.85%
Noncurrent loans
0.00%0.15%0.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.01%
Q3 20240.00%
Q4 20240.01%
Q1 20250.00%
Q2 20250.09%
Q3 20250.06%
Q4 20250.06%
Q1 20260.05%
Q2 20260.30%
Return on assets
1.33%1.40%1.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.35%
Q3 20241.38%
Q4 20241.36%
Q1 20251.33%
Q2 20251.43%
Q3 20251.47%
Q4 20251.42%
Q1 20261.40%
Q2 20261.45%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$484.4M11.85%0.30%1.45%90.9%
Q1 202679$482.1M11.66%0.05%1.40%89.4%
Q4 202580$472.3M12.04%0.06%1.42%88.9%
Q3 202579$454.7M11.83%0.06%1.47%95.5%
Q2 202577$464.8M11.29%0.09%1.43%91.8%
Q1 202576$468.1M10.76%0.00%1.33%87.1%
Q4 202478$463.8M11.43%0.01%1.36%89.1%
Q3 202478$431.2M11.58%0.00%1.38%93.6%
Q2 202477$435.1M11.08%0.01%1.35%91.2%

2,650 peers · $100 million – $1 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 ratio11.85%
63rd
Total risk-based capital0.00%
24th
Problem loans0.30%
57th
Net charge-offs0.00%
54th
Return on assets1.45%
62nd
Net interest margin4.12%
60th
Efficiency ratio50.1%
83rd
Loans to deposits90.9%
24th
Uninsured deposits26.2%
41st
Loan-loss reserves1.11%
40th
Texas ratio1.7%
61st

Similar-size banks in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
Raccoon Valley BankBank Perry, IA66 out of 100, Moderate$486.0M9.6%0.74%vs
American Bank and Trust Company, National AssociationBank Davenport, IA61 out of 100, Moderate$480.9M10.1%0.86%vs
Home State BankBank Jefferson, IA38 out of 100, Low$480.7M8.9%2.21%vs
Iowa State BankBank Des Moines, IA95 out of 100, Very strong$480.5M15.9%0.00%vs
Security State BankBank Sutherland, IA77 out of 100, Strong$492.3M11.1%0.23%vs
TruBankBank Indianola, IA56 out of 100, Moderate$494.6M9.2%1.33%vs

Deposit insurance

Is my money safe at Rolling Hills Bank & Trust?

Yes. Rolling Hills Bank & Trust is an FDIC-insured institution (FDIC certificate #15334). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 26.2% of deposits ($109.2M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.85%, 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

12 locations

Branches

Rolling Hills Bank & Trust lists 12 offices in 12 cities across 3 states. Most locations:

  • Adair, IA (1)
  • Anita, IA (1)
  • Atlantic, IA (1)
  • Brewster, MN (1)
  • Carson, IA (1)
  • Casey, IA (1)
  • Griswold, IA (1)
  • Rippey, IA (1)
  • Stuart, IA (1)
  • Walnut, IA (1)
  • Wheatland, WY (1)
  • Worthington, MN (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Rolling Hills Bank & Trust reported 69 home-loan applications under HMDA (LEI 549300M25807V5I2K649): 64 originated ($12,380,000 total), 3 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.3%, 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.

Identity & history

Profile

Legal name
Rolling Hills Bank & Trust
Former names
Rolling Hills National Bank; Anita State Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
15334
RSSD ID
882242
Primary regulator
FED
Holding company
Anita Bcorp
Established
July 1, 1876
Headquarters
1307 E 7th St, Atlantic, IA 50022
Employees
67

Quick answers

Rolling Hills Bank & Trust: common questions

Is Rolling Hills Bank & Trust FDIC insured?

Yes. Rolling Hills Bank & Trust is an FDIC-insured institution (FDIC certificate #15334). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Rolling Hills Bank & Trust's TellerScore?

77 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 Rolling Hills Bank & Trust ever failed?

There is no failure record for FDIC certificate #15334 in the FDIC failed bank list.

How many branches does Rolling Hills Bank & Trust have?

12 offices as of the latest FDIC data, in 3 states.

Nearby

Highest-scoring banks and credit unions with branches near Atlantic

InstitutionScoreAssetsCapitalProblem loansCompare
FNB BankBank Fontanelle, IA91 out of 100, Very strong$274.6M14.5%0.02%vs
First Whitney Bank and TrustBank Atlantic, IA84 out of 100, Strong$287.5M11.5%0.00%vs
Crawford County Trust and Savings BankBank Denison, IA80 out of 100, Strong$294.5M9.9%0.03%vs
Midstates Bank, National AssociationBank Council Bluffs, IA79 out of 100, Strong$653.9M11.6%0.29%vs
Farmers Trust & Savings BankBank Earling, IA77 out of 100, Strong$148.1M9.0%0.00%vs
The Shelby County State BankBank Harlan, IA74 out of 100, Strong$523.6M10.0%0.40%vs