Side-by-side · Q2 2026 data
Hills Bank and Trust Company vs West Bank
Metric by metric
| Measure | Hills Bank and Trust Company | West Bank |
|---|---|---|
| TellerScore | 84 (stronger) | 71 |
| Capital cushion | 84 (stronger) | 58 |
| Loan quality | 87 | 100 (stronger) |
| Earnings | 100 (stronger) | 68 |
| Funding & liquidity | 48 (stronger) | 35 |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 95th | 63rd |
| Total assets | $4.8B | $4.0B |
| Deposits / shares | $3.5B | $3.4B |
| Capital ratio | 13.36% (stronger) | 10.79% |
| Problem loans | 0.40% | 0.00% (stronger) |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 2.08% (stronger) | 1.19% |
| Loans ÷ deposits | 102.2% | 87.1% (stronger) |
| Uninsured deposits | 23.8% (stronger) | 49.5% |
| Offices | 19 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.6% | 9.7% |
Hills Bank and Trust Company has the higher TellerScore (84 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Hills Bank and Trust Company leads on 4 and West Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.