Institution Statistics
| Hills Bank and Trust Company | | FDIC Certificate # | 14650 | | BankRate Report | View | | Year Established | 1904 | | Employees | 385 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $2.10 billion | | Loans | $1.68 billion | | Deposits | $1.62 billion | | Equity Capital | $236.96 million | | Loan Loss Allowance | $28.73 million | | Unbacked Noncurrent Loans | $11.54 million | | Real Estate Owned | $1.31 million |
Historic Data - March 2011 | | Assets | $2.00 billion | | Equity Capital | $192.57 million | | Loan Loss Allowance | $29.82 million | | Unbacked Noncurrent Loans | $12.11 million | | Real Estate Owned | $2.43 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.5% | | Return on Assets | 1.54% | | Return on Equity | 13.49% | | Interest Income | $22.62 million |
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Institution Health
Overall Score:
5 out of 5 
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Hills Bank and Trust Company had $12.85 million in non-current loans and owned real-estate with $265.69 million in equity and loan loss allowances on hand to cover it. This gives Hills Bank and Trust Company a Texas Ratio of 4.84% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Hills Bank and Trust Company decreased slightly from 6.55% as of March 31, 2011 to 4.84% as of March 31, 2012, resulting in a positive change of 26.22%.This indicates that the balance sheet and financial strength for Hills Bank and Trust Company has improved slightly in recent periods. | | Deposit Growth | | | In the past year, Hills Bank and Trust Company has increased its total deposits by $64.11 million, resulting in 4.13% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Hills Bank and Trust Company has shown is above average. | | Capitalization | | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Hills Bank and Trust Company has $2.1 billion in assets with $265.69 million in equity, resulting in a capitalization level of 12.63%, which is excellent. |
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Average User Rating:
Excellent Service- Still Has 'Small Town Feel'
I have banked at Hills bank for 8 years, and my parents have banked there for decades, and we have had nothing but good experiences. The staff is always very friendly and competent and provides excellent, personal service. They have a good variety of services, competetive rates and are one of the few banks that still doesn't charge ATM fees. Whenever I have had a reason to call customer service, it's easy to get a live person on the phone right away (during business hours) and they have resolved my issue ASAP without hassle. Their internet banking is very reliable, secure and easy to use. I recently moved out of state, so I will be needing to open a local account in my new city, but I plan to keep my savings and investments with Hills Bank.