Hilltop National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Hilltop National Bank of Casper, WY against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.83% | 1.43% | +0.40% | 82nd top |
| ROAE | 21.87% | 12.49% | +9.38% | 92nd top |
| Net Interest Margin | 3.63% | 3.84% | -0.21% | 44th below |
| Efficiency Ratio | 57.09% | 58.87% | -1.78% | 54th above |
| PPNR / Avg Assets | 1.99% | 1.78% | +0.21% | 68th above |
| Yield on Earning Assets | 4.49% | 5.72% | -1.23% | 7th bottom |
| Cost of Funds | 0.98% | 2.03% | -1.05% | 95th top |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.09% | 3.18% | -0.09% | 51st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.32% | 0.96% | -0.64% | 71st above |
| NPA / Total Assets | 0.18% | 0.75% | -0.57% | 78th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.30% | 0.31% | -0.01% | 14th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.19% | 1.25% | -0.06% | 57th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 375.75% | 699.20% | -323.45% | 75th top |
| Texas Ratio | 2.36% | 7.17% | -4.81% | 73rd above |
| Provision / NCO | 104.82% | 815.47% | -710.65% | 36th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 11.95% | 11.59% | +0.36% | 76th top |
| Equity / Assets | 8.60% | 11.33% | -2.73% | 14th bottom |
| TCE / Tangible Assets | 8.56% | 10.65% | -2.09% | 21st bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 66.85% | 86.37% | -19.52% | 88th top |
| Core Deposit Ratio | 93.05% | 85.55% | +7.50% | 74th above |
| Uninsured Deposit Ratio | 24.49% | 32.72% | -8.23% | 72nd above |
| Wholesale Funding Ratio | 3.52% | 5.45% | -1.93% | 52nd above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 13.04% | 10.45% | +2.59% | 84th top |
| Loan Growth (Y/Y) | 14.20% | 7.99% | +6.21% | 84th top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.59% | 7.98% | -0.39% | 65th above |
See Hilltop National Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Hilltop National Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Hilltop National Bank profile, how to read a UBPR, or how this data updates.