Hills Bank and Trust Company
Hills, IA
IDRSSD: 731247
Total Assets
$4.65B
Latest filing
Total Deposits
$3.37B
Latest filing
Net Interest Margin
3.62%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
073913755HILLS, IA
Key People
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Locations
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Main Office
Hills Bank and Trust Company
131 Main St
Hills, IA 52235
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1904FDIC Certificate 9163
Branches (20)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| Hills Bank and Trust Company (Main) | 131 Main St | Hills, IA |
| CORALVILLE BRANCH | 1009 2nd St | Coralville, IA |
| MOUNT VERNON BRANCH | 720 1st Ave Se | Mount Vernon, IA |
| LISBON BRANCH | 103 W Main St | Lisbon, IA |
| GILBERT STREET BRANCH | 1401 S Gilbert St | Iowa City, IA |
| EASTSIDE BRANCH | 2621 Muscatine Ave | Iowa City, IA |
| NORTH LIBERTY BRANCH | 25 Highway 965 | North Liberty, IA |
| OLD CAPITOL MALL | 201 S Clinton St | Iowa City, IA |
Showing 7 of 20
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1904 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 52235 |
| State and County Number | 19103 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Iowa City, IA |
Operational Info
| Number of Employees | 483 |
| Domestic Offices | 21 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 08/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.hillsbank.com |
| Data Updated | 01/30/2026 |
| CERT | 14650 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $4.65B |
| Total Deposits | $3.37B |
| Total Liabilities | $4.04B |
| Total Equity Capital | $603.61M |
| Net Income | $15.98M |
| Net Loans and Leases | $3.51B |
| Assets Per Employee ($Millions) | $9.33M |
| Bank Premises and Fixed Assets | $38.71M |
| Cash and Balances due from Depository Institutions | $41.54M |
| Deposits Held in Domestic Offices | $3.37B |
Key Performance Ratios
| Return on Assets (ROA) | 1.37% |
| Return on Equity (ROE) | 10.76% |
| Net Interest Margin | 3.62% |
| Efficiency Ratio | 46.87% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.12% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.987% |
| Earning Assets to total Assets | 96.22% |
Income and Expense
| Total Interest Income | $60.74M |
| Total Noninterest Income | $8.83M |
| Total Interest Expense | $20.28M |
| Total Noninterest Expense | $23.11M |
| Net Interest Income | $40.47M |
| Pre-tax Net Operating Income | $24.85M |
| Provision for Credit Losses | $1.34M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $451.00k |
| Other borrowed funds | $64.33M |
| Federal Funds Sold & Reverse Repurchase Agreement | $572.00k |
| Federal Funds Purchased and Repurchased Agreement | $586.88M |
| All Other Liabilities | $21.68M |
| Total Liabilities and Capital | $4.65B |
Securities
| Securities | $955.58M |
| Available-for-sale debt securities | $955.58M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Hills Bank and Trust Company?
$4.65B as of the latest filing.
How much are Hills Bank and Trust Company's total deposits?
$3.37B in total deposits.
Where is Hills Bank and Trust Company located?
Hills, IA.
What is the Net Interest Margin?
3.62%.
How many domestic offices does it operate?
21.
When was it established?
01/01/1904.
What is the Return on Assets (ROA)?
1.37%.
How much are total loans and leases?
$3.51B (latest filing).
What is the total interest income (latest filing)?
$60.74M.