Rolling Hills Bank & Trust: how it compares with its peers
Against 97 IA banks with half to twice its assets, Rolling Hills Bank & Trust's strongest measure in Q2 2026 is net interest margin (4.12% vs. a 3.65% peer median). Its weakest relative measure is assets per employee ($7.2M vs. $8.4M).
| Measure | Rolling Hills Bank & Trust | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.45% | 1.43% | Middle third Ahead of 54% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.12% | 3.65% | Top third Ahead of 88% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 50.11% | 56.04% | Top third Ahead of 79% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.2M | $8.4M | Bottom third Ahead of 30% of peers |
| Loans to deposits Net loans and leases over total deposits. | 90.91% | 84.58% | Context |
What it means for lending operations
Its efficiency ratio of 50.11% is better than the 56.04% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Raccoon Valley Bank Perry, IA · $486M
- American Bank and Trust Company, National Association Davenport, IA · $481M
- Home State Bank Jefferson, IA · $481M
- Iowa State Bank Des Moines, IA · $481M
- Security State Bank Sutherland, IA · $492M
- TruBank Indianola, IA · $495M
Questions about Rolling Hills Bank & Trust
How big is Rolling Hills Bank & Trust?
Rolling Hills Bank & Trust, established in 1876, is headquartered in Atlantic, IA. It reported $484M in total assets in its Q2 2026 FDIC call report and operates 12 offices.
What is Rolling Hills Bank & Trust's return on assets?
1.45% annualized in Q2 2026, against a 1.43% median for 97 IA banks with half to twice its assets, ahead of 54% of them.
What is Rolling Hills Bank & Trust's efficiency ratio?
50.11% in Q2 2026: it spent about 50 cents in noninterest expense for each dollar of revenue. The peer median is 56.04%, and lower is better.
Is Rolling Hills Bank & Trust growing its loans?
Net loans grew 5.4% over the year to Q2 2026, while deposits grew 6.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Iowa bank ranked.