Hilltop National Bank is a national bank headquartered in Casper, Wyoming, in business for about 62 years. At the end of Q2 2026 it reported $1.1B in total assets and $987.6M in deposits, with 8 offices.
Hilltop National Bank has a TellerScore of 84 out of 100 (strong) based on Q2 2026 data — higher than 95% of its 897 banks with $1 billion – $10 billion. Among 24 banks headquartered in Wyoming, it ranks 4th. Problem-loan coverage contributes the most (96/100, 1.8%); capital cushion contributes the least (69/100, 11.95%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 2 points (86 → 84), mostly because the loan quality component weakened by 9 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 89 |
| Q3 2024 | 86 |
| Q4 2024 | 89 |
| Q1 2025 | 85 |
| Q2 2025 | 86 |
| Q3 2025 | 81 |
| Q4 2025 | 85 |
| Q1 2026 | 84 |
| Q2 2026 | 84 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.13% |
| Q3 2024 | 13.20% |
| Q4 2024 | 13.67% |
| Q1 2025 | 11.98% |
| Q2 2025 | 12.13% |
| Q3 2025 | 12.30% |
| Q4 2025 | 12.30% |
| Q1 2026 | 12.06% |
| Q2 2026 | 11.95% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.01% |
| Q3 2024 | 0.01% |
| Q4 2024 | 0.01% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.66% |
| Q4 2025 | 0.21% |
| Q1 2026 | 0.27% |
| Q2 2026 | 0.28% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.62% |
| Q3 2024 | 1.34% |
| Q4 2024 | 1.48% |
| Q1 2025 | 1.48% |
| Q2 2025 | 1.63% |
| Q3 2025 | 1.72% |
| Q4 2025 | 1.72% |
| Q1 2026 | 1.68% |
| Q2 2026 | 1.77% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 84 | $1.1B | 11.95% | 0.28% | 1.77% | 66.1% |
| Q1 2026 | 84 | $1.1B | 12.06% | 0.27% | 1.68% | 60.2% |
| Q4 2025 | 85 | $1.2B | 12.30% | 0.21% | 1.72% | 56.8% |
| Q3 2025 | 81 | $1.1B | 12.30% | 0.66% | 1.72% | 60.5% |
| Q2 2025 | 86 | $1.0B | 12.13% | 0.00% | 1.63% | 62.2% |
| Q1 2025 | 85 | $1.1B | 11.98% | 0.00% | 1.48% | 54.3% |
| Q4 2024 | 89 | $961.2M | 13.67% | 0.01% | 1.48% | 58.9% |
| Q3 2024 | 86 | $1.1B | 13.20% | 0.01% | 1.34% | 50.5% |
| Q2 2024 | 89 | $971.9M | 13.13% | 0.01% | 1.62% | 53.7% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Wyoming
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Converse County BankBank Douglas, WY | 75 out of 100, Strong | $1.1B | 9.6% | 0.05% | vs |
| Pinnacle Bank - WyomingBank Cody, WY | 77 out of 100, Strong | $1.3B | 10.7% | 0.26% | vs |
Deposit insurance
Is my money safe at Hilltop National Bank?
Yes. Hilltop National Bank is an FDIC-insured institution (FDIC certificate #19184). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 24.5% of deposits ($241.9M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.95%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
8 locations
Branches
Hilltop National Bank lists 7 offices in 3 cities. Most locations:
- Casper, WY (4)
- Cheyenne, WY (2)
- Glenrock, WY (1)
HMDA 2025
Mortgage lending
In 2025, Hilltop National Bank reported 264 home-loan applications under HMDA (LEI 549300KJI3KX8KY2FG10): 220 originated ($51,530,000 total), 9 denied, and 35 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.9%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Hilltop National Bank
- Type
- National bank
- FDIC certificate #
- 19184
- RSSD ID
- 1454
- Primary regulator
- OCC
- Holding company
- Midland Financial Corp
- Established
- July 27, 1964
- Headquarters
- 300 Country Club Rd, Casper, WY 82609
- Website
- www.hilltop.bank
- Employees
- 146
Quick answers
Hilltop National Bank: common questions
Is Hilltop National Bank FDIC insured?
Yes. Hilltop National Bank is an FDIC-insured institution (FDIC certificate #19184). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Hilltop National Bank's TellerScore?
84 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Hilltop National Bank ever failed?
There is no failure record for FDIC certificate #19184 in the FDIC failed bank list.
How many branches does Hilltop National Bank have?
8 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Casper
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Uniwyo Federal Credit UnionCredit union Laramie, WY | 83 out of 100, Strong | $825.6M | 12.6% | 0.70% | vs |
| Jonah Bank of WyomingBank Casper, WY | 76 out of 100, Strong | $562.8M | 9.6% | 0.00% | vs |
| Pathfinder Federal Credit UnionCredit union Casper, WY | 76 out of 100, Strong | $68.6M | 11.6% | 0.64% | vs |
| Platte Valley BankBank Torrington, WY | 73 out of 100, Strong | $809.2M | 9.7% | 0.40% | vs |
| Glacier BankBank Kalispell, MT | 68 out of 100, Moderate | $31.6B | 10.1% | 0.42% | vs |
| ANB BankBank Denver, CO | 64 out of 100, Moderate | $2.9B | 9.5% | 0.37% | vs |