BlastPoint's Banking Scorecard

Hilltop National Bank

$1B-$10B Specialty: Commercial WY FDIC cert 19184

Designations: ✓ Community bank

Casper, WY

8 branches across WY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 3 in WY.
Deposits +7.6% year over year ($987.6M on the books).
Delinquency rate 0.28%.
Return on assets 1.77%.
Efficiency ratio 59.34% vs a 59.73% peer average.
Loan-to-deposit ratio 66.06% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 3 in WY

View $1B-$10B leaderboard (WY) →

Hilltop National Bank has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 42.3% in tier
+ ROA 0.38% above tier average
+ Efficiency Ratio 0.39% below tier average
+ Delinquency Rate 0.58% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.27% below tier average

Get updates when Hilltop National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WY)	National Avg	Tier Percentile
Total Assets ?	$1.1B +13.0% YoY -0.6% QoQ	-$1.7B	$2.8B -0.6% YoY	$450.2M +6.6% YoY	$6.3B +7.7% YoY	Bottom 12.5% in tier
Total Loans ?	$652.4M +14.3% YoY +4.4% QoQ	-$1.3B	$2.0B -0.3% YoY	$256.9M +8.1% YoY	$3.2B +9.4% YoY	Bottom 6.0% in tier
Total Deposits ?	$987.6M +7.6% YoY -4.8% QoQ	-$1.3B	$2.3B -0.5% YoY	$395.8M +5.2% YoY	$4.9B +7.3% YoY	Bottom 14.5% in tier
Return on Assets ?	1.77% +8.8% YoY +5.4% QoQ	+0.38%	1.39% +17.0% YoY	1.35% +50.4% YoY	1.30% +12.1% YoY	81%
Net Interest Margin ?	3.60% +4.0% YoY +6.8% QoQ	-0.27%	3.87% +6.2% YoY	3.97% +6.9% YoY	3.95% +4.9% YoY	42%
Efficiency Ratio ?	59.34% +0.5% YoY -3.5% QoQ	-0.39%	59.73% -12.6% YoY	70.09% -6.6% YoY	70.05% +2.5% YoY	49%
Delinquency Rate ?	0.28% +4.2% QoQ	-0.58%	0.87% +11.7% YoY	0.54% -5.2% YoY	0.98% +16.3% YoY	70%
Loan-to-Deposit Ratio ?	66.06% +6.2% YoY +9.7% QoQ	-18.98%	85.04% -0.1% YoY	246.53% +252.1% YoY	79.03% +2.3% YoY	Top 11.6% in tier
Non-Interest-Bearing Deposit Share ?	32.52% +2.9% YoY +1.2% QoQ	+11.25%	21.27% -1.5% YoY	24.71% -0.8% YoY	21.98% -0.6% YoY	Top 10.8% in tier
Nonperforming Asset Ratio ?	0.16% +9.5% QoQ	-0.51%	0.67% +11.7% YoY	0.41% +17.6% YoY	0.69% +15.8% YoY	77%
Tier 1 Capital Ratio ?	11.95% -1.5% YoY -0.9% QoQ	-2.90%	14.84% -0.4% YoY	20.04% +15.3% YoY	17.09% +0.8% YoY	32%
Non-Interest Income / Assets ?	0.59% +0.3% YoY +97.5% QoQ	+0.07%	0.53% +2.5% YoY	0.52% +37.3% YoY	0.66% +5.2% YoY	Top 14.2% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (WY)	National Avg	Tier Percentile
Noninterest-Bearing	32.5% +0.9pp YoY +0.4pp QoQ	+11.2pp	21.4%	24.7%	22.2%	89%
Brokered Deposits	n/a	n/a	9.5%	12.5%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (WY)	National Avg	Tier Percentile
C&I	17.3% -2.2pp YoY +0.4pp QoQ	+3.3pp	14.0%	16.1%	12.5%	74%
CRE	53.0% +3.3pp YoY +1.9pp QoQ	+3.0pp	50.0%	45.3%	41.4%	60%
1-4 Family	22.9% +0.5pp YoY -0.5pp QoQ	-3.6pp	26.4%	25.2%	31.3%	50%
Consumer	1.9% -0.6pp YoY 0.0pp QoQ	-2.8pp	4.7%	4.1%	5.0%	62%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (WY)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	25.5%	19.7%	n/a
Leverage Ratio	11.9% -0.2pp YoY -0.1pp QoQ	+0.6pp	11.3%	11.6%	12.6%	76%
Total Capital Ratio	n/a	n/a	16.7%	26.6%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (WY)	National Avg	Tier Percentile
Full-Time Employees	146 +9 (+6.6%) YoY +4 (+2.8%) QoQ	-168	313	57	482	20%
Assets per Employee ($)	$7.8M +6.1% YoY -3.3% QoQ	-$2.7M	$10.5M	$8.7M	$8.8M	36%
Branch Count	7 0 YoY -1 (-12.5%) QoQ	-13	20	4	18	17%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (WY)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% 0.0pp QoQ	-0.1pp	0.2%	0.2%	0.4%	67%
Nonaccrual	0.2% 0.0pp QoQ	-0.6pp	0.8%	0.6%	1.0%	23%
Allowance Coverage	4.25x -7.9% QoQ	-14.46x	18.71x	18.30x	20.23x	74%
Net Charge-off Rate (YTD)	0.2% +0.1pp YoY +0.2pp QoQ	-0.1pp	0.3%	0.1%	0.2%	75%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WY)	National Avg	Tier Percentile
ROE	20.9% +0.2pp YoY +0.9pp QoQ	+8.3pp	12.6%	9.7%	11.6%	92%
Cost of Funds (YTD)	0.9% -0.1pp YoY 0.0pp QoQ	-1.0pp	1.9%	1.6%	1.7%	4%
Net Income ($, YTD)	$10.2M +23.5% YoY — QoQ	-$9.0M	$19.2M	$3.2M	$40.4M	41%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth

#95 of 222 • Top 42.3% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.59%

(Tier: 0.53%, National: 0.66%)

better than tier avg

Return on Assets: 1.77%

(Tier: 1.39%, National: 1.30%)

better than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (5 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 32.52%

Peer Median: 21.27%

#97 of 885 Top 10.8% in $1B-$10B

104

Loan-to-Deposit Ratio

liquidity

Value: 66.06%

Peer Median: 85.04%

#104 of 885 Top 11.6% in $1B-$10B

127

Non-Interest Income / Assets

revenue_mix

Value: 0.59%

Peer Median: 0.53%

#127 of 885 Top 14.2% in $1B-$10B

167

Return on Assets

profitability

Value: 1.77%

Peer Median: 1.39%

#167 of 885 Top 18.8% in $1B-$10B

206

Nonperforming Asset Ratio

credit_quality

Value: 0.16%

Peer Median: 0.67%

#206 of 885 Top 23.2% in $1B-$10B

Top Weaknesses (3 metrics)

833

Total Loans

size

Value: $652.36M

Peer Median: $1.96B

#833 of 885 Bottom 6.0% in $1B-$10B

775

Total Assets

size

Value: $1.14B

Peer Median: $2.79B

#775 of 885 Bottom 12.5% in $1B-$10B

758

Total Deposits

size

Value: $987.58M

Peer Median: $2.32B

#758 of 885 Bottom 14.5% in $1B-$10B