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Overview / Commentary
300 Country Club
Casper, WY 82601

Hilltop National Bank is headquartered in Casper and is the 2nd largest bank in the state of Wyoming. It is also the 1,029th largest bank in the nation. It was established in 1964 and as of March of 2014, it had grown to 144 employees at 6 locations. Hilltop National Bank has a A health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Hilltop National Bank had $1.19 million in non-current loans and owned real-estate with $60.78 million in equity and loan loss allowances on hand to cover it. This gives Hilltop National Bank a Texas Ratio of 1.95% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Hilltop National Bank experienced no significant changes from 1.98% as of March 31, 2013 to 1.95% as of March 31, 2014, resulting in a positive change of 1.57%.This indicates that the balance sheet and financial strength for Hilltop National Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Hilltop National Bank has increased its total deposits by $37.54 million, resulting in 6.61% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Hilltop National Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Hilltop National Bank has $664.39 million in assets with $60.78 million in equity, resulting in a capitalization level of 9.15%, which is average.

Institution Statistics

FDIC Certificate #19184
Year Established1964
Primary RegulatorOCC
Assets and Liabilities
Assets$664.39 million
Loans$233.41 million
Deposits$605.23 million
Equity Capital$57.82 million
Loan Loss Allowance$2.96 million
Unbacked Noncurrent Loans$1.19 million
Real Estate Owned$0
Historic Data - March 2013
Assets$634.60 million
Equity Capital$65.80 million
Loan Loss Allowance$2.81 million
Unbacked Noncurrent Loans$1.19 million
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets1.3%
Return on Equity15.49%
Interest Income$4.83 million

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Hilltop National Bank Savings Account Rates

0.10%--Health Savings Account

Hilltop National Bank Money Market Rates

0.10%$10k-Money Market Savings Account

Hilltop National Bank Checking Account Rates

0.05%$1k-Premier SnapShot Checking Account
0.05%$1k-Freedom 50 Account
0.05%$1k-SnapShot Low Activity Super Now Account
0.05%$1k-SnapShot Analysis Super Now Checking Account

Hilltop National Bank CD Rates

1.26%--72 Month CD
1.06%--60 Month CD
1.00%--48 Month CD
0.70%$50k-30 Month CD
0.60%$50k-24 Month CD
0.40%$50k-18 Month CD
0.35%$50k-12 Month CD
0.30%$50k-182 Day CD
0.25%$50k-91 Day CD
0.10%$10k-31 Day CD
0.10%$50k-60 Day CD

Hilltop National Bank IRA Rates

1.26%--72 Month IRA
1.06%--60 Month IRA
1.00%--48 Month IRA
0.70%$50k-30 Month IRA
0.60%$50k-24 Month IRA
0.40%$50k-18 Month IRA
0.35%$50k-12 Month IRA
0.30%$50k-182 Day IRA
0.25%$50k-91 Day IRA
0.10%$10k-31 Day IRA
0.10%$50k-60 Day IRA

Hilltop National Bank Locations
Downtown Branch111 South Durbin StreetCasper, WY 82601
Hilltop National Bank300 Country ClubCasper, WY 82601
Safeway Sales Branch300 Se Wyoming BlvdCasper, WY 82609
Glenrock Branch313 South 4th StreetGlenrock, WY 82637
Mountain Plaza Branch4085 Cy AvenueCasper, WY 82609
Downtown Motorbank Branch449 East First StreetCasper, WY 82601