Hilltop National Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 18.24 percentage points in Q2 2026, from 357.51% to 375.75%. It was the largest change from Q1 2026 among the key lines here. Within Wyoming, Hilltop National Bank is 5th of 24 on return on assets, 1.83% as of Q2 2026, above the middle of the field. Hilltop National Bank reported 1.83% on return on assets for Q2 2026, 0.56 points above the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.95% |
| Equity capital to assets | 8.60% |
| Tangible equity to tangible assets | 8.56% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.32% |
| Non-performing assets ratio | 0.18% |
| Net charge-off ratio | 0.30% |
| Texas ratio | 2.36% |
| Allowance for credit losses to loans | 1.19% |
| Reserve coverage of non-performing loans | 375.75% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.83% |
| Return on equity | 21.87% |
| Net interest margin | 3.63% |
| Efficiency ratio | 57.09% |
| Yield on earning assets | 4.49% |
| Cost of funds | 0.98% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 66.85% |
| Core deposits to total deposits | 93.05% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.95% |
| Securities to assets | 34.70% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 12.19% | 1.39% | 2.84% | 0.19% | 0.01% |
| Q4 2023 | 11.88% | 1.27% | 3.00% | 0.20% | 0.02% |
| Q1 2024 | 12.87% | 1.34% | 2.86% | 0.20% | 0.04% |
| Q2 2024 | 13.13% | 1.61% | 3.02% | 0.17% | 0.02% |
| Q3 2024 | 13.20% | 0.82% | 3.02% | 0.17% | 0.01% |
| Q4 2024 | 13.67% | 1.73% | 3.19% | 0.15% | 0.05% |
| Q1 2025 | 11.98% | 1.39% | 3.09% | 0.13% | 0.03% |
| Q2 2025 | 12.13% | 1.65% | 3.29% | 0.12% | 0.00% |
| Q3 2025 | 12.30% | 1.84% | 3.35% | 0.11% | -0.02% |
| Q4 2025 | 12.30% | 1.74% | 3.42% | 0.32% | 0.00% |
| Q1 2026 | 12.06% | 1.71% | 3.35% | 0.35% | -0.00% |
| Q2 2026 | 11.95% | 1.83% | 3.63% | 0.32% | 0.30% |
Hilltop National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Hilltop National Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)