Hilltop National Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Fed funds sold and reverse repos: 96.1% lower than in Q1 2026, at $459K. Hilltop National Bank ranks 12th of 23 Wyoming banks on loan-to-deposit ratio, in the lower half at 66.85% (Q2 2026). Hilltop National Bank reported 66.85% on loan-to-deposit ratio for Q2 2026, 21.35 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $60.2M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $454.3M |
| Fed funds sold and reverse repos | $459K |
| Fed funds sold and reverse repos to assets | 0.04% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $25.0M |
| Other borrowed money | $15.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.32% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 66.85% |
| Net loans and leases to deposits | 66.06% |
| Loans and leases to core deposits | 71.85% |
| Core deposits to total deposits | 93.05% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 49.31% | 95.99% | $0 | $0 |
| Q4 2023 | 54.04% | 95.32% | $0 | $0 |
| Q1 2024 | 52.92% | 95.40% | $0 | $0 |
| Q2 2024 | 54.37% | 95.37% | $0 | $0 |
| Q3 2024 | 51.06% | 95.54% | $0 | $0 |
| Q4 2024 | 59.64% | 94.42% | $0 | $0 |
| Q1 2025 | 54.92% | 94.66% | $0 | $0 |
| Q2 2025 | 62.99% | 94.18% | $0 | $0 |
| Q3 2025 | 61.26% | 94.10% | $0 | $0 |
| Q4 2025 | 57.56% | 94.41% | $13.0M | $0 |
| Q1 2026 | 60.97% | 93.77% | $0 | $0 |
| Q2 2026 | 66.85% | 93.05% | $25.0M | $15.0M |
Hilltop National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Hilltop National Bank, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Hilltop National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19184) · FFIEC NIC profile (RSSD 1454)