Hilltop National Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 13.41 percentage points higher than in Q1 2026, at 191.10%. Within Wyoming, Hilltop National Bank is 12th of 23 on loan-to-deposit ratio, 66.85% as of Q2 2026, below the middle of the field. 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.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $660.2M |
| Net loans and leases | $652.4M |
| Loans held for sale | $802K |
| Loans to total assets | 58.13% |
| Loan-to-deposit ratio | 66.85% |
| Net loans to equity capital | 6.68% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 28.56% |
| Multifamily (5+ residential) | 8.15% |
| Commercial and industrial | 17.01% |
| Consumer | 1.92% |
| Credit cards | 0.00% |
| Farm | 2.15% |
| Loans to depository institutions | 3.21% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 191.10% |
| Construction concentration (Tier 1 capital + allowance) | 70.18% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.18% |
| Interest income on loans | $9.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $475.1M | $963.5M | 29.20% | 13.62% | 3.54% |
| Q4 2023 | $479.8M | $887.8M | 28.94% | 13.86% | 3.72% |
| Q1 2024 | $473.1M | $894.1M | 29.26% | 15.32% | 3.66% |
| Q2 2024 | $485.4M | $892.7M | 28.29% | 17.25% | 3.64% |
| Q3 2024 | $498.2M | $975.8M | 28.40% | 17.08% | 3.40% |
| Q4 2024 | $520.8M | $873.1M | 29.05% | 16.97% | 3.21% |
| Q1 2025 | $544.3M | $991.1M | 29.19% | 17.24% | 2.84% |
| Q2 2025 | $578.2M | $917.9M | 28.09% | 19.15% | 2.47% |
| Q3 2025 | $603.0M | $984.4M | 27.22% | 19.17% | 2.24% |
| Q4 2025 | $607.2M | $1.05B | 26.73% | 18.57% | 2.11% |
| Q1 2026 | $632.6M | $1.04B | 26.21% | 16.63% | 1.94% |
| Q2 2026 | $660.2M | $987.6M | 28.56% | 17.01% | 1.92% |
Hilltop National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Hilltop National Bank, freeSource: Call Report Schedule RC-C, 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)