IA lenders / Community Bank
Hills Bank and Trust Company
Community Bank · Hills, IA · Hills Bcorp
- Total assets
- $4.7B
- CRE loan book
- $1.4B
- QoQ CRE growth
- 1.8%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.50% as of Q1 2026 — TX bank median 4.87% (0.64pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.50% | 5.62% |
| Q4 2025 | 5.54% | 5.69% |
| Q3 2025 | 5.48% | 5.65% |
| Q2 2025 | 5.39% | 5.57% |
| Q1 2025 | 5.12% | 5.34% |
| Q4 2024 | 5.12% | 5.35% |
| Q3 2024 | 5.06% | 5.32% |
| Q2 2024 | 4.89% | 5.15% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $1.4B | $360.6M | $494.9M | 171% | $2.6M |
| Q4 2025 | $1.4B | $338.1M | $493.8M | 168% | $4.2M |
| Q3 2025 | $1.4B | $377.2M | $493.9M | 176% | $6.5M |
| Q2 2025 | $1.4B | $363.8M | $493.3M | 177% | $8.4M |
| Q1 2025 | $1.4B | $369.0M | $503.5M | 181% | $14.4M |
| Q4 2024 | $1.3B | $359.0M | $492.3M | 178% | $13.9M |
| Q3 2024 | $1.3B | $341.1M | $486.6M | 176% | $18.9M |
| Q2 2024 | $1.3B | $346.0M | $492.0M | 179% | $19.8M |
Signals
Similar lenders
Other community banks we track with a comparable CRE book size.
- Farmers Bank & Trust CompanyCommunity Bank · Magnolia · $1.4B CRE book
- Midwest BankCentreCommunity Bank · Lemay · $1.5B CRE book
- Guaranty BankCommunity Bank · Springfield · $1.4B CRE book
- VeraBank, National AssociationCommunity Bank · Henderson · $1.4B CRE book
- Academy Bank, National AssociationCommunity Bank · Kansas City · $1.5B CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.