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Hills Bancorporation: Business Overview, Financials & Competitive Analysis

Hills Bancorporation operates as the bank holding company for Hills Bank and Trust Company that provides commercial banking in the state of Iowa. The company accepts various deposits such as demand, savings, and time ...

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What's in This Report
Hills Bancorporation OverviewStrategic ProfileCompetitive LandscapeIndustry ContextKey facts
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6/ 10Solid

Cyborg Score thesis

Stable rural Iowa community bank generating steady earnings with modest growth—appealing to value investors seeking regional...

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Industry Community banking and retail credit
3 named competitors
3 recent developments
11 analyst dimensions
Synthesized from analyst-debate stress-testing across 11 dimensions and hundreds of data points. Methodology →
Cyborg Score recalibrated: June 22, 2026
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Hills Bancorporation Overview

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Hills Bancorporation operates as the bank holding company for Hills Bank and Trust Company that provides commercial banking in the state of Iowa. The company accepts various deposits such as demand, savings, and time deposits and offers products including real estate loans, mortgage and construction loans, commercial and financial loans, agricultural loans, and consumer loans.

Strategic Profile

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In April 2026, Hills Bancorporation approved a 2-for-1 stock split, which the Board said reflects its confidence in the continued strength and growth of the company. The company operates through its main office and full-service branches in the Iowa counties of Johnson, Linn, and Washington.

Competitive Landscape

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Regional competitors include Embassy Bancorp, First Mid Bancshares, and QNB Corp. Hills Bancorporation competes as a smaller, locally-focused institution in Iowa's community banking sector against both regional and national competitors offering broader geographic coverage.

Industry Context

Hills Bancorporation operates in Community banking and retail credit.

Key facts

Founded: 1904 · Headquarters: Hills, Iowa · Employees: 509 · Revenue: N/A · Market cap: $808M

What the analysts stress-tested

The top findings that survived the multi-agent debate for Hills Bancorporation.

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Recent developments

Material events tracked by the AskCyborg corpus.

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Named competitors

Pulled from the analyst-debate framework. Click any competitor to see their Cyborg Score.

First Mid BancsharesRegional bank holding company→Embassy BancorpCommunity bank operations→QNB CorpRegional community bank→

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Industry context

Hills Bancorporation operates in Community banking and retail credit. See how the rest of the sector scores on the Cyborg framework.

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Frequently asked questions

What does Hills Bancorporation do?+
Hills Bancorporation operates as the bank holding company for Hills Bank and Trust Company that provides commercial banking in the state of Iowa. The company accepts various deposits such as demand, savings, and time ...
What is Hills Bancorporation's Cyborg Score?+
Hills Bancorporation has a Cyborg Score of 6/10 (Solid). The score synthesizes business model, financials, leadership, competitive position, technology, marketing, and ESG dimensions across hundreds of data points.
Who are Hills Bancorporation's main competitors?+
Named competitors include First Mid Bancshares, Embassy Bancorp, QNB Corp. The full competitive landscape is in the AskCyborg report.
How can I get the full Hills Bancorporation research report?+
Get the report plus analyst-debate audio at askcyborg.com -- no credit card required for preview access. Pro adds saved-company audio playlists and monitoring.
How current is the Hills Bancorporation research?+
The Cyborg Score is recalibrated weekly. Recent developments are tracked continuously and surfaced in every report.

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