BlastPoint's Banking Scorecard
Hilltop National Bank
Designations: ✓ Community bank
Casper, WY
7 branches across WY
Hilltop National Bank has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 43.9% in tier
- + Loan-to-Deposit Ratio 23.99% below tier average
- + ROA 0.32% above tier average
- + Delinquency Rate 0.62% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.45% below tier average
- - Efficiency Ratio 0.46% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+6.5% YoY
-2.5% QoQ
|
-$1.7B |
$2.8B
-0.1% YoY
|
$445.8M
+4.9% YoY
|
$6.2B
+9.1% YoY
|
Bottom 12.4% in tier |
| Total Loans ? |
$624.7M
+16.2% YoY
+4.2% QoQ
|
-$1.3B |
$2.0B
+0.6% YoY
|
$250.1M
+8.7% YoY
|
$3.2B
+10.8% YoY
|
Bottom 5.3% in tier |
| Total Deposits ? |
$1.0B
+4.7% YoY
-1.6% QoQ
|
-$1.3B |
$2.3B
-0.3% YoY
|
$397.2M
+4.6% YoY
|
$4.8B
+8.2% YoY
|
18% |
| Return on Assets ? |
1.68%
+14.0% YoY
-2.0% QoQ
|
+0.32% |
1.37%
+19.6% YoY
|
1.18%
+46.8% YoY
|
1.23%
+13.4% YoY
|
79% |
| Net Interest Margin ? |
3.37%
+1.5% YoY
-2.6% QoQ
|
-0.45% |
3.82%
+6.9% YoY
|
3.82%
+5.9% YoY
|
3.89%
+5.7% YoY
|
33% |
| Efficiency Ratio ? |
61.52%
-0.7% YoY
+4.2% QoQ
|
+0.46% |
61.06%
-4.6% YoY
|
71.89%
-9.4% YoY
|
66.95%
-4.1% YoY
|
44% |
| Delinquency Rate ? |
0.27%
+29.2% QoQ
|
-0.62% |
0.89%
+14.1% YoY
|
0.47%
-19.3% YoY
|
0.95%
+18.8% YoY
|
73% |
| Loan-to-Deposit Ratio ? |
60.21%
+11.0% YoY
+5.9% QoQ
|
-23.99% |
84.20%
+0.3% YoY
|
68.79%
+12.9% YoY
|
76.70%
+0.9% YoY
|
Top 7.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
32.12%
+3.5% YoY
-8.9% QoQ
|
+10.83% |
21.29%
-2.5% YoY
|
24.89%
+11.1% YoY
|
22.01%
-1.2% YoY
|
Top 12.3% in tier |
| Nonperforming Asset Ratio ? |
0.15%
+38.1% QoQ
|
-0.53% |
0.67%
+15.6% YoY
|
0.38%
+6.8% YoY
|
0.67%
+19.3% YoY
|
79% |
| Tier 1 Capital Ratio ? |
12.06%
+0.6% YoY
-2.0% QoQ
|
-3.10% |
15.16%
+2.0% YoY
|
19.62%
+12.7% YoY
|
17.06%
+0.8% YoY
|
33% |
| Non-Interest Income / Assets ? |
0.30%
+15.0% YoY
-72.4% QoQ
|
+0.04% |
0.26%
+1.6% YoY
|
0.21%
+17.8% YoY
|
0.32%
+4.1% YoY
|
Top 13.1% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.