Hilltop National Bank
Casper, Wyoming, Natrona County
$1.1B in total assets, the 955th largest of 4,309 US banks and 2nd of 24 headquartered in Wyoming.
- FDIC certificate
- 19184
- Established
- 1964
- Owned by
- Midland Financial Corp
- Primary regulator
- OCC
- Website
- WWW.HILLTOP.BANK
At a glance
Compared with 901 US banks with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.1B | 12% | $2.0B | |
| Loans | $660M | 6% | $1.4B | |
| Deposits | $988M | 15% | $1.7B | |
| Return on assets | 1.82% | 83% | 1.23% | |
| Net interest margin | 3.60% | 42% | 3.71% | |
| Efficiency ratio | 59.3% | 51% | 59.1% | |
| Equity to assets | 8.60% | 14% | 10.38% | |
| Loans to deposits | 67% | 12% | 88% |
Growth
Total assets grew 3.1% a year over the last 5 years and 1.8% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Feb 2026 | Cheyenne State Bank Cheyenne, WY | $29M |
| Nov 1994 | National Bank of Glenrock Glenrock, WY | $11M |
| Aug 1993 | Mountain Plaza National Bank Casper, WY, an affiliate under the same holding company | $25M |
| Jan 1986 | American Bank of Casper Casper, WY | $20M |
Where they operate
7 branches in 3 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Natrona County, WY | $916M | 35.4% | 1 of 9 |
| Converse County, WY | $41M | 3.6% | 3 of 5 |
| Laramie County, WY | $30M | 1.0% | 17 of 19 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 1 branch since 2016 (6 to 7, +16.7%). 2 opened, 1 acquired, 2 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 6 | |||
| 2020 | Opened CasperClosed Casper | 1 | 1 | 0 | 6 |
| 2023 | Opened Cheyenne | 1 | 0 | +1 | 7 |
| 2026 through Q2 | Acquired Cheyenne State BankClosed Cheyenne | 1 | 1 | 0 | 7 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 29% | 32% | |
| 1-4 family residential | 23% | 25% | |
| Business (C&I) | 17% | 14% | |
| Construction and land | 16% | 8% | |
| Multifamily | 8% | 8% | |
| Farmland | 2% | 3% | |
| Consumer | 2% | 4% | |
| Agricultural | 0% | 2% | |
| Other | 3% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 52% | 52% | |
| Noninterest-bearing | 33% | 21% | |
| Time deposits | 16% | 27% |
Brokered deposits are 0.0% of deposits (peers 6.2%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.28% | 0.51% |
| Net charge-offs, annualized | 0.15% | 0.04% |
| Reserves to loans | 1.19% | 1.15% |
| Leverage ratio | 11.95% | 10.52% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Wyoming
Largest competitors in Natrona County, WY
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/hilltop