FDIC Cert #19184 · Casper, Wyoming · Est. 1964

Hilltop National Bank - FDIC Bank Health Profile

A community-scale look at Hilltop National Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$1.2B
Total assets
A
Health grade · Excellent
1.72%
Return on assets
12.3%
Tier 1 capital

Data updated July 2026

The verdict

Hilltop National Bank earns a PlainBankData health grade of A (92/100), with well-capitalized at 12.30% Tier 1, profitable at 1.72% ROA, efficient (59% cost ratio).

#907
largest of 4,313 FDIC banks by assets
79th
percentile by asset size, nationally
12.30%
Tier 1 ratio - above the 10% well-capitalized line
83rd
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 19184 · WY A · 92/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-REGIONAL · BOOK-FULL

  • GRADE-A A (92/100)
  • UPPER-Q #561/4307
  • PHOTO-FINISH Banner Capital Bank · NE
  • TIER1-WELL 12.3% Tier 1
  • TEXAS-CLEAN 1.2% Texas
  • ROA-STRONG 1.72% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Wyoming: Banner Capital Bank, NE (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Hilltop National Bank

Lowest and highest poles plus nearest scored peers outside Wyoming, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Banner Capital Bank · NE · n…92/100Commercial National… · TX · …92/100FirstBank · CO · near92/100Hilltop National Bank · WY ·…92/100Lakeside Bank · IL · near92/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Hilltop National Bank · July 2026

Plate reading for Hilltop National Bank where failures stay rare

Hilltop National Bank (FDIC Cert #19184) carries a PlainBankData health grade of A at 92/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #561 of 4,307. Tier 1 capital prints at 12.30%, clearing the 10% well-capitalized line. The Texas Ratio is 1.20%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.72%. Balance-sheet scale is $1.2B, 907th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Banner Capital Bank (NE), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Hilltop National Bank

Only 1 FAILURE resolution in Wyoming since 2000

Hilltop National Bank is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (1 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • BANK OF WYOMING THERMOPOLIS, WY 2009 → CENTRAL BANK & TRUST
  • WESTLAND FS & LA RAWLINS, WY 1991 → RAWLINS NB
  • SWEETWATER FS & LA ROCK SPRINGS, WY 1990 → FIRST SECURITY BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Wyoming banks.

How Hilltop National Bank's 92/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10092/100
Hilltop National Bank's composite health score
Tier 1 Capital Ratio (12.30%) 35/40
Return on Assets (ROA) (1.72%) 25/25
Texas Ratio (1.20%) 20/20
Efficiency Ratio (59.03%) 12/15

92 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$1.2B

Total balance-sheet footings

Total Deposits

$1.1B

Customer-funded liabilities

Net Loans

$600M

Outstanding loan book

Net Income

$18M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.9% 12.3% 13.7%
Basel III capital ratios - Hilltop National Bank

Where Hilltop National Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Hilltop National Bank's score of 92/100 falls in the highlighted band.

Hilltop National Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

92 Top 13% higher than 87% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. Hilltop National Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Hilltop National Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Hilltop National Bank's $1.2B falls in the highlighted band.

Safety metrics: Hilltop National Bank

Tier 1 capital ratio
Well-capitalized 10%

12.30% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.30%
Texas Ratio
1.20%
Equity Capital
$97M

What these ratios mean →

Earnings posture at Hilltop National Bank

Return on Assets (ROA)
83rd percentile nationally
1.72%
Return on Equity (ROE)
21.14%
Efficiency Ratio
59.03%

What these mean →

Income & expense at Hilltop National Bank

$45M
Interest Income
$13M
Non-Interest Income
$28M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Hilltop National Bank reports a Texas Ratio of 1.20% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.20% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Hilltop National Bank on FDIC BankFind →

Top banks in Wyoming by total assets

Largest banks headquartered in Wyoming
  1. 1
    Pinnacle Bank - Wyoming $1.3B

    Cody, WY · Grade A

  2. 2
    Hilltop National Bank $1.2B

    Casper, WY · Grade A

  3. 3
    The Converse County Bank $1.1B

    Douglas, WY · Grade A

  4. 4
    First Northern Bank of Wyoming $894M

    Buffalo, WY · Grade B

  5. 5
    Platte Valley Bank $783M

    Torrington, WY · Grade B

Top 5 banks in Wyoming ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.2B here), outside Wyoming so the neighborhood is not state containment.

Platte Valley Bank $1.2B · NE Bank of Pontiac $1.2B · IL Bank of Washington $1.2B · MO Citizens Bank $1.2B · WI

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Hilltop National Bank (FDIC Cert #19184) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Hilltop National Bank Call Report profile · FDIC Failed Bank List · Wyoming FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Wyoming

All Wyoming banks →
BankAssetsGradeROA
Pinnacle Bank - WyomingCody $1.3B A 1.28%
The Converse County BankDouglas $1.1B A 1.14%
First Northern Bank of WyomingBuffalo $894M B 1.13%
Platte Valley BankTorrington $783M B 1.46%
First National Bank of GilletteGillette $626M A 1.35%
First Federal Bank & TrustSheridan $611M C 0.43%
Jonah Bank of WyomingCasper $558M B 1.92%
Security State BankBasin $444M B 0.45%