Hills Bancorporation operates mainly within Iowa as a holding company that fully owns Hills Bank and Trust Company. Established in 1982, the company delivers a comprehensive range of banking services through its subsidiary, focusing on individual customers, businesses, and governmental entities. The product offerings include various types of loans such as commercial, real estate, consumer, agricultural, and construction loans, as well as deposit services like demand, savings, and time deposits.
The bank's commercial activities extend to estate administration, investment advisory, and custodial services, effectively positioning itself as a one-stop financial institution for its clients. Significant emphasis is placed on real estate loans, which constitute a major portion of its loan portfolio. Hills Bancorporation thus serves a crucial role in supporting local economies through its banking operations, primarily targeting customers in the Johnson, Linn, and Washington counties of Iowa.