Hilltop National Bank
Casper, WY · Cert 19184 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Midland Financial Corp.
National charter · OCC · 7 branches
Q2 2026
$1.1BAssets
$660.2MLoans
$987.6MDeposits
$97.7MEquity
Executive Summary
- Strongest standing: return on equity outperforms 85% of banks $1B-$10B in assets operating in a single state (rank 38 of 258).
- Widest gap: equity / assets trails 85% of banks $1B-$10B in assets operating in a single state (rank 219 of 258).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.41%
Rank 82 of 258
Net Interest Margin
3.37%
Rank 149 of 258
Efficiency Ratio
59.40%
Rank 123 of 257
Equity / Assets
8.60%
Rank 219 of 258
Non-interest income vs. expense
Unfavorable gap of $17.8M · efficiency ratio beats 53% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.41% | 0.93% | 1.23% | 1.54% | Beats 68% | 82 / 258 | |
| Return on Equity | 16.38% | 9.26% | 11.84% | 14.74% | Beats 85% | 38 / 258 | |
| Net Interest Margin | 3.37% | 3.16% | 3.49% | 3.88% | Beats 42% | 149 / 258 | |
| Efficiency Ratio | 59.40% | 51.71% | 60.30% | 69.65% | Beats 53% | 123 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.28% | 0.19% | 0.46% | 0.90% | Beats 64% | 94 / 258 | |
| Net Charge-Offs / Loans | 0.07% | 0.01% | 0.02% | 0.07% | Beats 24% | 198 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 11.95% | 11.41% | 12.98% | 15.12% | Beats 31% | 177 / 258 | |
| Total Risk-Based Capital Ratio | 11.95% | 12.10% | 13.91% | 16.08% | Beats 22% | 200 / 258 | |
| Equity / Assets | 8.60% | 9.09% | 10.24% | 11.72% | Beats 15% | 219 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 66.85% | 73.24% | 86.34% | 95.95% | 15th pctl | 220 / 258 | |
| Loans / Assets | 58.13% | 63.01% | 72.27% | 78.40% | 16th pctl | 217 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |