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Hills Bank and Trust Company

Hills, IA
IDRSSD: 731247
Total Assets
$4.66B
Latest filing
Total Deposits
$3.38B
Latest filing
Net Interest Margin
3.47%
Profitability
0

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 ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date01/01/1904
Community BankYes
Ownership TypeNot Mutual
ZIP52235
State and County Number19103
Subchapter S CorporationsNo
Trust PowersFull Trust Powers Granted
Federal Reserve ID Number07
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictKansas City
Core Based Statistical Area NameIowa City, IA

Operational Info

Number of Employees486
Domestic Offices21
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date06/30/2024
Date of Deposit Insurance08/01/1934
Primary Insurance AgencyDIF
Websitewww.hillsbank.com
Data Updated11/14/2025
CERT14650
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$4.66B
Total Deposits$3.38B
Total Liabilities$4.08B
Total Equity Capital$584.21M
Net Income$13.09M
Net Loans and Leases$3.50B
Assets Per Employee ($Millions)$9.65M
Bank Premises and Fixed Assets$37.61M
Cash and Balances due from Depository Institutions$46.88M
Deposits Held in Domestic Offices$3.38B

Key Performance Ratios

Return on Assets (ROA)1.13%
Return on Equity (ROE)9.14%
Net Interest Margin3.47%
Efficiency Ratio43.46%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.52%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets12.531%
Earning Assets to total Assets95.78%

Income and Expense

Total Interest Income$59.84M
Total Noninterest Income$8.64M
Total Interest Expense$21.33M
Total Noninterest Expense$20.50M
Net Interest Income$38.51M
Pre-tax Net Operating Income$20.68M
Provision for Credit Losses$5.97M
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$76.58M
Federal Funds Sold & Reverse Repurchase Agreement$320.00k
Federal Funds Purchased and Repurchased Agreement$588.74M
All Other Liabilities$31.23M
Total Liabilities and Capital$4.66B

Securities

Securities$962.76M
Available-for-sale debt securities$962.76M
Equity securities with readily determinable fair values not held for trading$0
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?
$4.66B as of the latest filing.
How much are Hills Bank and Trust Company's total deposits?
$3.38B in total deposits.
Where is Hills Bank and Trust Company located?
Hills, IA.
What is the Net Interest Margin?
3.47%.
How many domestic offices does it operate?
21.
When was it established?
01/01/1904.
What is the Return on Assets (ROA)?
1.13%.
How much are total loans and leases?
$3.50B (latest filing).
What is the total interest income (latest filing)?
$59.84M.