Rolling Hills Bank & Trust
Atlantic, Iowa, Cass County
$484M in total assets, the 1,861st largest of 4,309 US banks and 66th of 227 headquartered in Iowa.
- FDIC certificate
- 15334
- Established
- 1876
- Owned by
- Anita Bcorp
- Primary regulator
- FED
- Website
- www.rollinghillsbank.com
At a glance
Compared with 166 banks headquartered in Iowa with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $484M | 77% | $277M | |
| Loans | $383M | 83% | $192M | |
| Deposits | $416M | 79% | $234M | |
| Return on assets | 1.43% | 62% | 1.32% | |
| Net interest margin | 4.12% | 82% | 3.64% | |
| Efficiency ratio | 50.1% | 28% | 55.8% | |
| Equity to assets | 13.09% | 82% | 10.55% | |
| Loans to deposits | 92% | 74% | 83% |
Growth
Total assets grew 4.9% a year over the last 5 years and 6.7% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Apr 2009 | The First National Bank of Brewster Brewster, MN, an affiliate under the same holding company | $21M |
| Mar 2008 | Metabank West Central Stuart, IA | $44M |
| May 2001 | Rippey Savings Bank Rippey, IA | $25M |
| Nov 1995 | Griswold State Bank Griswold, IA, an affiliate under the same holding company | $11M |
Where they operate
12 branches in 7 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Cass County, IA | $220M | 15.1% | 3 of 7 |
| Guthrie County, IA | $59M | 10.5% | 5 of 6 |
| Pottawattamie County, IA | $51M | 2.0% | 11 of 13 |
| Nobles County, MN | $36M | 4.5% | 9 of 10 |
| Platte County, WY | $21M | 4.8% | 4 of 5 |
| Adair County, IA | $16M | 5.4% | 4 of 4 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
No net change since 2016 (12 branches then and now). 1 opened, 0 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 12 | |||
| 2016 | Opened Wheatland | 1 | 0 | +1 | 13 |
| 2024 | Closed Menlo | 0 | 1 | −1 | 12 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Farmland | 36% | 21% | |
| Commercial real estate | 16% | 17% | |
| Agricultural | 16% | 16% | |
| 1-4 family residential | 12% | 23% | |
| Construction and land | 8% | 4% | |
| Business (C&I) | 7% | 13% | |
| Multifamily | 4% | 3% | |
| Consumer | 1% | 2% | |
| Other | 0% | 1% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 50% | 49% | |
| Time deposits | 30% | 33% | |
| Noninterest-bearing | 20% | 18% |
Brokered deposits are 1.2% of deposits (peers 3.0%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.30% | 0.47% |
| Net charge-offs, annualized | 0.00% | 0.00% |
| Reserves to loans | 1.11% | 1.23% |
| Leverage ratio | 11.85% | 10.91% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Iowa
Largest competitors in Cass County, IA
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/rolling-hills