Side-by-side · Q2 2026 data
Hills Bank and Trust Company vs Principal Bank
Metric by metric
| Measure | Hills Bank and Trust Company | Principal Bank |
|---|---|---|
| TellerScore | 84 (stronger) | 64 |
| Capital cushion | 84 (stronger) | 21 |
| Loan quality | 87 (stronger) | 85 |
| Earnings | 100 (stronger) | 87 |
| Funding & liquidity | 48 | 66 (stronger) |
| Problem-loan coverage | 96 (stronger) | 95 |
| Peer percentile | 95th | 33rd |
| Total assets | $4.8B | $9.8B |
| Deposits / shares | $3.5B | $9.3B |
| Capital ratio | 13.36% (stronger) | 7.13% |
| Problem loans | 0.40% (stronger) | 0.44% |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 2.08% (stronger) | 1.68% |
| Loans ÷ deposits | 102.2% | 32.2% (stronger) |
| Uninsured deposits | 23.8% (stronger) | 45.6% |
| Offices | 19 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.6% | — |
Hills Bank and Trust Company has the higher TellerScore (84 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Hills Bank and Trust Company leads on 5 and Principal Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.