Hilltop National Bank
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Data as of · sourced from FFIEC call reports. How we update
Hilltop National Bank is an FDIC-insured commercial bank headquartered in Casper, WY, established in 1964 (FDIC certificate 19184), and it is supervised by the OCC. At Q2 2026 it reported total assets of $1.14B, up 13.0% from Q2 2025, the 2nd largest of 24 banks headquartered in Wyoming. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.95% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 19184
- Headquarters
- Casper, WY
- Established
- 1964
- Total assets, Q2 2026
- $1.14B
- Assets vs Q2 2025
- +13.0%
- Tier 1 leverage ratio, Q2 2026
- 11.95%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 102301199
- Latest call report
- Q2 2026, FFIEC 051 · Hilltop National Bank call report
- Holding company
- MIDLAND FINANCIAL CORPORATION
- Asset rank in state
- 2nd of 24 in Wyoming
Hilltop National Bank is one of the more profitable banks of its size. Its balance sheet stood at $1.1 billion at June 30, 2026, up 13.0% from a year earlier; it is based in Casper, Wyoming. It returns 21.9% a year on shareholders' equity, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 12.6%). It also pays an average of 0.98% on its deposits and borrowings, about half the median of 2.01% for banks its size.
Paper losses on its bond portfolio are shrinking: unrealized losses of $42 million equal 30% of Tier 1 capital, down from 39% a year earlier. Loans are outrunning deposits: over the year loans rose 14.2% and deposits rose 7.6%. One more trend to watch: problem loans have appeared where there were almost none: loans on nonaccrual or 90 or more days past due, net of government guarantees now equal 0.28% of loans.
As of June 30, 2026, Hilltop National Bank reported a return on assets of 1.83%, a nonperforming-loan ratio of 0.28% and a Texas ratio of 1.76%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Hilltop National Bank is the 2nd largest of the 24 banks headquartered in Wyoming. Between Q1 2026 and Q2 2026, its total assets fell 0.6% to $1.14B, loans rose 4.4% and deposits fell 4.8%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 22.6% of total loans, followed by commercial and industrial loans at 17.1%. The FDIC Summary of Deposits lists 7 offices for it, in Casper, WY, Glenrock, WY and Cheyenne, WY; its Casper 5 offices book 93% of its branch deposits. By the capital ratios in its Q2 2026 call report, Hilltop National Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 300 Country Club Rd, Casper, WY 82609
- County
- Natrona
- Metro Area
- Casper, WY
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- July 27, 1964
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 146
- Domestic deposits
- $987.6M
- Allowance for credit losses
- $7.9M
- Net charge-offs (YTD)
- $477K
- Average total assets
- $1.16B
- Average total loans
- $636.8M
- Average interest-bearing deposits
- $675.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 27, 1964
- FDIC Cert
- 19184
- Fed RSSD
- 1454
- Website
- WWW.HILLTOP.BANK →
- Parent Holding Company
- MIDLAND FINANCIAL CORPORATION (RSSD 1054840)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Hilltop National Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Hilltop National Bank's total assets ranged from $959.2M (Q4 2023) to $1.17B (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.14B total assets against $1.00B; $1.04B total liabilities against $924.2M.
$652.4M net loans and leases against $570.9M; $987.6M total deposits against $917.9M.
$394.2M securities against $379.3M; $60.2M cash and balances due against $32.6M.
$12.8M total interest income against $11.3M; $2.5M total interest expense against $2.6M.
$10.3M net interest income against $8.7M.
$3.3M total noninterest income against $3.1M; $7.8M total noninterest expense against $6.7M.
$500K provision for credit losses against $660K.
$5.3M net income against $4.5M.
1.83% return on assets against 1.65%; 3.63% net interest margin against 3.29%.
11.95% tier 1 leverage ratio against 12.13%.
Inside the full Hilltop National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeHilltop National Bank rankings
Its closest position to the top of a national ranking is 697 of 3,611, for ROA; its furthest is 715 of 980, for uninsured deposits.
Banks merged into Hilltop National Bank
- Cheyenne State Bank, effective February 28, 2026
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.82% (Q3 2024) to 1.84% (Q3 2025) and its net interest margin ran from 3.02% (Q3 2024) to 3.63% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.95% | 1.83% | 0.28% | 1.76% | 3.63% |
| Q1 2026 | 12.06% | 1.71% | 0.27% | 1.63% | 3.35% |
| Q4 2025 | 12.30% | 1.74% | 0.21% | 1.20% | 3.42% |
| Q3 2025 | 12.30% | 1.84% | 0.66% | 3.93% | 3.35% |
| Q2 2025 | 12.13% | 1.65% | 0.00% | 0.00% | 3.29% |
| Q1 2025 | 11.98% | 1.39% | 0.00% | 0.00% | 3.09% |
| Q4 2024 | 13.67% | 1.73% | 0.01% | 0.05% | 3.19% |
| Q3 2024 | 13.20% | 0.82% | 0.01% | 0.05% | 3.02% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Hilltop National Bank (main office) | Casper , WY | 82609 | $684.5M |
| Mountain Plaza Branch | Casper , WY | 82604 | $124.9M |
| Downtown Branch | Casper , WY | 82601 | $80.1M |
| Glenrock Branch | Glenrock , WY | 82637 | $41.2M |
| Cheyanne Bank Branch | Cheyenne , WY | 82001 | $30.4M |
| The Compass at Centennial Hills Branch | Casper , WY | 82609 | $26.6M |
| Downtown Motorbank Branch | Casper , WY | 82601 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 28, 2026 | M&A | Acquired Cheyenne State Bank merger for the acquired bank | SEC |
| February 28, 2026 | Structure Change | Acquired Cheyenne State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 27, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 11, 1994 | M&A | Acquired National Bank of Glenrock merger for the acquired bank | SEC |
| November 11, 1994 | Structure Change | Acquired National Bank of Glenrock Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 10, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 21, 1993 | M&A | Acquired Mountain Plaza National Bank merger for the acquired bank | SEC |
| August 21, 1993 | Structure Change | Acquired Mountain Plaza National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 20, 1993 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 17, 1986 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 10 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 4.5% of deposits in WY, rank 6 of 44 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 264 applications, 220 loans originated, $51.5M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $500K approved, $500K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Hilltop National Bank
What are Hilltop National Bank's total assets?
As of the Q2 2026 filing, Hilltop National Bank reported total assets of $1.14 billion in its FFIEC call report.
Where is Hilltop National Bank headquartered?
It is headquartered in Casper, WY, United States.
When was Hilltop National Bank founded?
It was established in 1964, per the FDIC institution directory.
Is Hilltop National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #19184). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Hilltop National Bank?
Hilltop National Bank's primary federal regulator is the OCC.
How many branches does Hilltop National Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Hilltop National Bank's Texas Ratio?
Its Texas Ratio is 1.76% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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