BlastPoint's Banking Scorecard
Hills Bank and Trust Company
Community
Specialty: Commercial
IA
FDIC cert 14650
Hills, IA
1484
banks in Community tier nationally
58 in IA
View Community leaderboard (IA) →
Hills Bank and Trust Company has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 16.88% below tier
- + Loan-to-Deposit Ratio 21.20% above tier
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 22% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.6B
+1.3% YoY
-0.1% QoQ
|
+$3.3B |
$1.4B
+2.0% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
Top 1% in tier |
| Total Loans ? |
$3.5B
+3.6% YoY
+0.4% QoQ
|
+$2.5B |
$975.5M
+2.4% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Top 1% in tier |
| Total Deposits ? |
$3.4B
+0.7% YoY
-0.3% QoQ
|
+$2.2B |
$1.2B
+1.7% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Top 3% in tier |
| Return on Assets ? |
1.36%
+23.7% YoY
+0.6% QoQ
|
+0.19% |
1.16%
+17.2% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
66% |
| Net Interest Margin ? |
3.41%
+25.0% YoY
+2.3% QoQ
|
-0.25% |
3.66%
+9.1% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
37% |
| Efficiency Ratio ? |
45.75%
-15.4% YoY
+0.9% QoQ
|
-16.88% |
62.63%
-5.3% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
Top 9% in tier |
| Delinquency Rate ? |
0.57%
-21.6% YoY
+7.6% QoQ
|
-0.06% |
0.63%
+18.3% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
42% |
| Loan-to-Deposit Ratio ? |
104.26%
+2.9% YoY
+0.7% QoQ
|
+21.20% |
83.06%
+0.3% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Top 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
17.70%
+1.9% YoY
+3.5% QoQ
|
-3.34% |
21.05%
-0.9% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
37% |
| Nonperforming Asset Ratio ? |
0.44%
-21.3% YoY
+10.5% QoQ
|
-0.06% |
0.50%
+20.3% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
42% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.73%
+0.2% YoY
+35.4% QoQ
|
-0.01% |
0.74%
-1.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
72% |
Signature Analysis
Strengths (2)
Efficiency Ratio
metric
Top 9%
in Community
Why this stands out
Current:
45.75%
(Tier avg: 62.63%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Top 7%
in Community
Why this stands out
Current:
104.26%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (1)
Capital Thin
risk
#97 of 432 · Bottom 22% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Total Assets
Current: $4.6B · Tier avg: $1.4B
99
99th pctile
Total Loans
Current: $3.5B · Tier avg: $975.5M
97
97th pctile
Total Deposits
Current: $3.4B · Tier avg: $1.2B
93
93th pctile
Loan-to-Deposit Ratio
Current: 104.26% · Tier avg: 83.06%
91
91th pctile
Efficiency Ratio
Current: 45.75% · Tier avg: 62.63%
72
72th pctile
Non-Interest Income / Assets
Current: 0.73% · Tier avg: 0.74%
66
66th pctile
Return on Assets
Current: 1.36% · Tier avg: 1.16%
42
42th pctile
Nonperforming Asset Ratio
Current: 0.44% · Tier avg: 0.50%
42
42th pctile
Delinquency Rate
Current: 0.57% · Tier avg: 0.63%
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 17.70% · Tier avg: 21.05%
37
37th pctile
Net Interest Margin
Current: 3.41% · Tier avg: 3.66%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
Top Weaknesses
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
37
37th pctile
Net Interest Margin
Current: 3.41% · Tier avg: 3.66%
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 17.70% · Tier avg: 21.05%
42
42th pctile
Delinquency Rate
Current: 0.57% · Tier avg: 0.63%
42
42th pctile
Nonperforming Asset Ratio
Current: 0.44% · Tier avg: 0.50%
66
66th pctile
Return on Assets
Current: 1.36% · Tier avg: 1.16%
72
72th pctile
Non-Interest Income / Assets
Current: 0.73% · Tier avg: 0.74%
91
91th pctile
Efficiency Ratio
Current: 45.75% · Tier avg: 62.63%
93
93th pctile
Loan-to-Deposit Ratio
Current: 104.26% · Tier avg: 83.06%
97
97th pctile
Total Deposits
Current: $3.4B · Tier avg: $1.2B
99
99th pctile
Total Loans
Current: $3.5B · Tier avg: $975.5M
99
99th pctile
Total Assets
Current: $4.6B · Tier avg: $1.4B