Hills Bank&Trust Co (FDIC #14650): Bank Stress & Real-Estate Credit Exposure
Hills Bank&Trust Co (FDIC Cert #14650): bank stress 38/100, contained, STABLE over 7 days; parent HILLS BCORP.
Hills Bank&Trust Co (#14650) lends in 4 counties across 1 state; Hills Bank&Trust Co (#14650) reaches 75 ZIP codes: Iowa 4 counties, 75 ZIPs.
Hills Bank&Trust Co (#14650) largest markets: Linn County, IA (210 branches, 30 ZIPs) (#14650), Johnson County, IA (216 branches, 24 ZIPs) (#14650), Iowa County, IA (21 branches, 21 ZIPs) (#14650), Washington County, IA (39 branches, 13 ZIPs) (#14650).
Hills Bank&Trust Co (#14650) reports $4.79 billion in total assets; Hills Bank&Trust Co (#14650) equity $624.7 million (13.0% of Hills Bank&Trust Co (#14650) assets); Hills Bank&Trust Co (#14650) domestic deposits $3.53 billion; Hills Bank&Trust Co (#14650) net income $48.9 million; Hills Bank&Trust Co (#14650) return on assets 2.08%; Hills Bank&Trust Co (#14650) return on equity 16.08%; Hills Bank&Trust Co (#14650) net interest income $85.9 million; Hills Bank&Trust Co (#14650) call report June 30, 2026.
Hills Bank&Trust Co (#14650) noncurrent real-estate loans 0.02% of its book; Hills Bank&Trust Co (#14650) multifamily -0.08%; Hills Bank&Trust Co (#14650) residential 0.02%; Hills Bank&Trust Co (#14650) net charge-offs on real estate 0.43%; Hills Bank&Trust Co (#14650) multifamily charge-offs 0.01%; Hills Bank&Trust Co (#14650) residential charge-offs 0.24%.
Hills Bank&Trust Co (#14650) net interest margin 3.79% against an eight-quarter Hills Bank&Trust Co (#14650) average of 3.26% (Hills Bank&Trust Co (#14650) compression -0.53 points); Hills Bank&Trust Co (#14650) real-estate loans 1.9% of equity; Hills Bank&Trust Co (#14650) non-residential real estate 23.9% of equity; Hills Bank&Trust Co (#14650) rate-exposure score 40/100, Hills Bank&Trust Co (#14650) fixed-rate trap 40/100; Hills Bank&Trust Co (#14650) risk type rate trapped; Hills Bank&Trust Co (#14650) rate regime rates elevated, Hills Bank&Trust Co (#14650) snapshot October 20, 2026.
Hills Bank&Trust Co (#14650) stress score moved from 41.1 on June 22, 2026 to 38.3 on October 20, 2026; Hills Bank&Trust Co (#14650) ranged 38.3 to 41.1 over 117 snapshots.
Hills Bank&Trust Co (#14650) alerts: 4 counties; top Hills Bank&Trust Co (#14650) alert scores: Mount Vernon County, IA 17 (low); North Liberty County, IA 17 (low); Wellman County, IA 17 (low); Williamsburg County, IA 17 (low).