The Hills Bank: A Cornerstone of Iowa City's Financial Landscape

Introduction
Since its inception in 1909, The Hills Bank has played an integral role in the economic growth and prosperity of Iowa City. As the largest independently owned bank in Johnson County, it has consistently demonstrated strength and stability, earning the trust and loyalty of its customers for over a century.

Services and Offerings

The Hills Bank offers a comprehensive range of financial services tailored to meet the diverse needs of individuals, families, and businesses. These include:

• Personal Banking: Checking and savings accounts, loans, mortgages, and investment services
• Business Banking: Commercial loans, lines of credit, equipment financing, and cash management solutions
• Trust and Wealth Management: Estate planning, trust administration, and investment management
• Mortgage Services: Residential and commercial mortgages, refinancing, and construction loans

Financial Performance
The Hills Bank has consistently outperformed industry benchmarks in terms of financial performance. According to the Federal Deposit Insurance Corporation (FDIC), the bank's:

• Assets: Exceed $1.3 billion
• Deposits: Surpass $1 billion
• Capital: Exceeds 12%, significantly higher than industry averages

Community Involvement
The Hills Bank is deeply committed to the Iowa City community. Through its various initiatives, the bank supports local businesses, educational institutions, and charitable organizations. Its involvement includes:

• Community Lending: Providing affordable loans to small businesses and low-income individuals
• Philanthropy: Donating to local non-profits, sponsoring community events, and volunteering time
• Education: Offering financial literacy programs and scholarships for students

Advantages of Banking with The Hills Bank

Stability and Security

• 110+ years of operation, demonstrating resilience and stability
• High capital ratio, ensuring protection against financial downturns
• Member of the FDIC, providing insurance coverage for deposits up to $250,000

Local Ownership and Decision-Making

• Local ownership allows for quick and flexible decision-making
• Close ties to the community, resulting in a deep understanding of customer needs
• Focus on supporting local businesses and residents

Personalized Service

• Relationship-based approach, with dedicated bankers who know their customers
• Tailored financial solutions that meet specific needs and goals
• Convenient branch locations and online banking options

Competitive Rates and Fees

• Competitive rates on loans and deposits
• Low service fees and a commitment to transparency
• Variety of products and services to fit different financial situations

Tips and Tricks for Maximizing Your Banking Experience

• Establish a Relationship: Build a strong relationship with your banker by communicating regularly and seeking financial advice.
• Explore High-Yield Accounts: Consider opening a money market account, savings account, or certificate of deposit (CD) to earn higher interest on your savings.
• Use Electronic Services: Utilize online and mobile banking for convenience and efficiency.
• Review Your Statements: Regularly review your bank statements to monitor your transactions and identify any discrepancies.
• Consult with a Financial Adviser: Seek professional advice from the bank's financial advisers to develop a personalized financial plan.

Compare and Contrast: The Hills Bank vs. National Banks

Conclusion**

The Hills Bank is a trusted and reliable financial institution that has been serving the Iowa City community for over a century. With its strong financial performance, local ownership, personalized service, and commitment to community involvement, The Hills Bank offers a compelling choice for individuals, families, and businesses seeking a financially secure and rewarding banking experience.

Call to Action
Experience the difference of banking with a local institution. Contact The Hills Bank today to open an account or inquire about our financial services. Together, we can achieve your financial goals and make a positive impact in our community.

Tables

Table 1: The Hills Bank's Financial Performance

Table 2: The Hills Bank's Community Involvement

Table 3: Comparison of The Hills Bank and National Banks