BlastPoint's Banking Scorecard
Hilltop National Bank
Community
Specialty: Commercial
WY
FDIC cert 19184
Casper, WY
1484
banks in Community tier nationally
8 in WY
View Community leaderboard (WY) →
Hilltop National Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 40% in Community
- + Non-Interest-Bearing Deposit Share 14.21% above tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 26.23% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+21.9% YoY
+8.2% QoQ
|
-$219.8M |
$1.4B
+2.0% YoY
|
$444.3M
+6.3% YoY
|
$5.9B
+6.5% YoY
|
59% |
| Total Loans ? |
$599.5M
+16.5% YoY
+0.7% QoQ
|
-$375.9M |
$975.5M
+2.4% YoY
|
$243.8M
+7.9% YoY
|
$3.1B
+8.5% YoY
|
41% |
| Total Deposits ? |
$1.1B
+20.8% YoY
+7.2% QoQ
|
-$109.7M |
$1.2B
+1.7% YoY
|
$395.4M
+5.9% YoY
|
$4.7B
+6.3% YoY
|
62% |
| Return on Assets ? |
1.72%
+16.4% YoY
-0.3% QoQ
|
+0.55% |
1.16%
+17.2% YoY
|
1.20%
+24.0% YoY
|
1.12%
+15.6% YoY
|
84% |
| Net Interest Margin ? |
3.46%
+5.5% YoY
-0.6% QoQ
|
-0.21% |
3.66%
+9.1% YoY
|
3.82%
+9.0% YoY
|
3.75%
+7.1% YoY
|
40% |
| Efficiency Ratio ? |
59.03%
-1.5% YoY
+1.5% QoQ
|
-3.60% |
62.63%
-5.3% YoY
|
65.60%
-5.3% YoY
|
65.09%
-5.1% YoY
|
60% |
| Delinquency Rate ? |
0.21%
-68.4% QoQ
|
-0.42% |
0.63%
+18.3% YoY
|
0.31%
+0.5% YoY
|
0.66%
+20.3% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
56.83%
-3.6% YoY
-6.0% QoQ
|
-26.23% |
83.06%
+0.3% YoY
|
62.14%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
35.26%
+1.0% YoY
+10.5% QoQ
|
+14.21% |
21.05%
-0.9% YoY
|
22.06%
-4.5% YoY
|
21.79%
-1.3% YoY
|
Top 8% in tier |
| Nonperforming Asset Ratio ? |
0.11%
-70.6% QoQ
|
-0.39% |
0.50%
+20.3% YoY
|
0.19%
+16.7% YoY
|
0.48%
+20.8% YoY
|
77% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.45%
-12.5% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
1.09%
-13.2% YoY
+28.2% QoQ
|
+0.35% |
0.74%
-1.3% YoY
|
0.80%
+10.1% YoY
|
0.65%
+0.6% YoY
|
Top 12% in tier |
Signature Analysis
Strengths (2)
Revenue Diversifier
growth
#150 of 371 · Top 40% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.09%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.72%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
Non-Interest-Bearing Deposit Share
metric
Top 8%
in Community
Why this stands out
Current:
35.26%
(Tier avg: 21.05%, National avg: 21.79%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 6%
in Community
Why this stands out
Current:
56.83%
(Tier avg: 83.06%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 35.26% · Tier avg: 21.05%
88
88th pctile
Non-Interest Income / Assets
Current: 1.09% · Tier avg: 0.74%
84
84th pctile
Return on Assets
Current: 1.72% · Tier avg: 1.16%
77
77th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.50%
69
69th pctile
Delinquency Rate
Current: 0.21% · Tier avg: 0.63%
62
62th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
60
60th pctile
Efficiency Ratio
Current: 59.03% · Tier avg: 62.63%
59
59th pctile
Total Assets
Current: $1.2B · Tier avg: $1.4B
41
41th pctile
Total Loans
Current: $599.5M · Tier avg: $975.5M
40
40th pctile
Net Interest Margin
Current: 3.46% · Tier avg: 3.66%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
6
6th pctile
Loan-to-Deposit Ratio
Current: 56.83% · Tier avg: 83.06%
Top Weaknesses
6
6th pctile
Loan-to-Deposit Ratio
Current: 56.83% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
40
40th pctile
Net Interest Margin
Current: 3.46% · Tier avg: 3.66%
41
41th pctile
Total Loans
Current: $599.5M · Tier avg: $975.5M
59
59th pctile
Total Assets
Current: $1.2B · Tier avg: $1.4B
60
60th pctile
Efficiency Ratio
Current: 59.03% · Tier avg: 62.63%
62
62th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
69
69th pctile
Delinquency Rate
Current: 0.21% · Tier avg: 0.63%
77
77th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.50%
84
84th pctile
Return on Assets
Current: 1.72% · Tier avg: 1.16%
88
88th pctile
Non-Interest Income / Assets
Current: 1.09% · Tier avg: 0.74%
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 35.26% · Tier avg: 21.05%