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Hills Bank and Trust Company
Hills, IA·FDIC Cert #14650·Charter: STATE·Est. 19040101.0·HC: HILLS BCORP
Total Assets
$4.6B
Q4 2025
Return on Assets
1.36%
+0.01%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
45.75%
Peer avg: 57.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
57
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.36%+0.01
ROE
11.03%-0.09
Efficiency
45.75%+0.41
Equity/Assets
0.00%+0.00
NPL Ratio
0.57%+0.04
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
104.26%+0.72
Charge-offs
0.10%+0.03
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.1 | 1.1 | 1.1 | 1.1 | 1.3 | 1.5 | 1.3 | 1.4 |
| ROE | 9.4 | 9.5 | 9.4 | 9.2 | 10.7 | 12.2 | 11.1 | 11.0 |
| Efficiency | 57.1 | 55.7 | 54.6 | 54.1 | 48.3 | 46.3 | 45.3 | 45.7 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.9 | 0.8 | 0.8 | 0.7 | 0.8 | 0.6 | 0.5 | 0.6 |
| Charge-offs | -0.0 | 0.0 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 |
| Loan/Deposit | 101.0 | 105.2 | 100.0 | 101.3 | 98.3 | 103.9 | 103.5 | 104.3 |
Balance Sheet
Total Assets$4.6B
Total Deposits$3.4B
Total Loans$3.5B
Total Equity$603.6M
Profitability
ROA1.36%
ROE11.03%
Efficiency Ratio45.75%
Net Income$62.5M
Risk & Asset Quality
NPL Ratio0.57%
Charge-off Rate0.10%
Loan/Deposit104.26%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans