Research terminalQ2 2026 · 4,313 institutions · refreshed 8/27/2026 · database outage

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Q2 2026 · 4,313 institutions · refreshed 8/27/2026

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OptimaYield board tearsheet · reported facts

HILLS BANK&TRUST CO

FDIC #14650 · IA · period 20260630

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Total assets2,597,724-7.06% YoY

Total deposits1,980,265-8.94% YoY

Net loans and leases2,115,646-7.34% YoY

Return on assets1.20%-7.37% YoY

Return on equity9.85%-6.72% YoY

Net interest margin3.24%-0.49% YoY

Peer position

Return on assets90thstrength · n=902

Return on equity79thstrength · n=894

Net interest margin55thin line · n=902

Equity to assets84thstrength · n=894

Noncurrent loans61stin line · n=887

Liquid assets55thin line · n=895

Brokered deposits53rdin line · n=890

Loans to deposits10thopportunity · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	2,597,724	1,980,265	2,115,646	1.20	9.85	3.24
2016-06-30	2,519,882	1,896,818	2,150,704	1.24	10.03	3.27
2016-09-30	2,593,974	1,997,115	2,210,097	1.30	10.52	3.31
2016-12-31	2,654,140	2,037,379	2,261,251	1.24	9.98	3.32
2017-03-31	2,795,161	2,174,592	2,283,197	1.29	10.56	3.25
2017-06-30	2,727,355	2,087,372	2,349,517	1.13	9.13	3.31
2017-09-30	2,781,848	2,073,757	2,398,147	1.16	9.34	3.33
2017-12-31	2,961,967	2,293,088	2,436,327	1.03	8.35	3.30
2018-03-31	3,057,657	2,442,781	2,429,499	1.45	12.16	3.08
2018-06-30	3,001,373	2,398,169	2,480,048	1.41	11.66	3.12
2018-09-30	3,100,754	2,489,426	2,529,123	1.38	11.40	3.14
2018-12-31	3,041,233	2,425,343	2,593,069	1.23	10.06	3.17
2019-03-31	3,226,498	2,598,965	2,612,755	1.44	11.60	3.15
2019-06-30	3,262,302	2,620,992	2,616,542	1.42	11.49	3.15
2019-09-30	3,356,445	2,702,360	2,628,168	1.41	11.37	3.13
2019-12-31	3,299,556	2,666,889	2,614,677	1.41	11.29	3.13
2020-03-31	3,364,758	2,734,416	2,637,991	0.86	6.67	3.06
2020-06-30	3,575,478	2,925,788	2,756,763	1.10	8.65	3.04
2020-09-30	3,778,641	3,116,924	2,759,010	1.15	9.19	2.97
2020-12-31	3,778,765	3,194,158	2,717,959	1.09	8.75	2.95
2021-03-31	4,001,243	3,412,754	2,664,149	1.57	13.15	2.78
2021-06-30	3,924,367	3,322,956	2,664,512	1.49	12.42	2.77
2021-09-30	4,084,081	3,469,995	2,629,936	1.43	11.95	2.76
2021-12-31	4,042,495	3,536,687	2,630,778	1.23	10.23	2.71
2022-03-31	4,150,662	3,663,031	2,656,645	1.04	8.93	2.53
2022-06-30	3,936,897	3,447,323	2,769,639	1.10	9.36	2.74
2022-09-30	3,999,003	3,516,561	2,910,079	1.19	10.21	2.87
2022-12-31	3,979,185	3,358,528	3,068,644	1.20	10.18	2.95
2023-03-31	4,175,277	3,445,920	3,160,779	1.23	10.32	2.96
2023-06-30	4,133,559	3,283,820	3,261,987	1.17	9.81	2.93
2023-09-30	4,244,301	3,363,857	3,320,347	1.01	8.54	2.88
2023-12-31	4,340,318	3,283,962	3,391,395	0.92	7.75	2.82
2024-03-31	4,386,554	3,364,147	3,396,632	1.11	9.41	2.62
2024-06-30	4,340,537	3,235,088	3,401,898	1.13	9.53	2.64
2024-09-30	4,435,900	3,378,354	3,379,107	1.13	9.41	2.68
2024-12-31	4,586,865	3,348,459	3,391,492	1.10	9.19	2.73
2025-03-31	4,562,633	3,481,127	3,421,244	1.27	10.67	3.15
2025-06-30	4,603,395	3,336,244	3,467,885	1.46	12.18	3.26
2025-09-30	4,651,807	3,381,214	3,500,827	1.35	11.12	3.33
2025-12-31	4,646,755	3,371,323	3,514,866	1.33	10.84	3.41
2026-03-31	4,671,475	3,608,874	3,527,333	1.91	14.87	3.73
2026-06-30	4,794,969	3,525,152	3,602,960	2.08	16.08	3.79

Structure and branch footprint

21 current branch locations across 1 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2001-10-27	1	2450627	731247
2000-11-20	1	672742	731247
1984-06-01	1	211141	731247

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.