Side-by-side · Q2 2026 data
Rolling Hills Bank & Trust vs Houghton State Bank
Metric by metric
| Measure | Rolling Hills Bank & Trust | Houghton State Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 69 |
| Capital cushion | 68 | 100 (stronger) |
| Loan quality | 90 (stronger) | 14 |
| Earnings | 78 | 83 (stronger) |
| Funding & liquidity | 57 | 70 (stronger) |
| Problem-loan coverage | 97 (stronger) | 80 |
| Peer percentile | 68th | 40th |
| Total assets | $484.4M | $204.8M |
| Deposits / shares | $416.2M | $169.2M |
| Capital ratio | 11.85% | 15.39% (stronger) |
| Problem loans | 0.30% (stronger) | 2.58% |
| Net charge-offs | 0.00% (stronger) | 0.03% |
| Return on assets | 1.45% | 1.56% (stronger) |
| Loans ÷ deposits | 90.9% | 85.7% (stronger) |
| Uninsured deposits | 26.2% | 19.4% (stronger) |
| Offices | 12 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.3% | 2.2% |
Rolling Hills Bank & Trust has the higher TellerScore (77 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Rolling Hills Bank & Trust leads on 3 and Houghton State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Griswold, IA