# HILLTOP NATIONAL BANK
CASPER, WY · FDIC certificate 19184 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.14B | |
| Deposits | $987.6M | |
| Loans and leases | $660.2M | |
| Total equity | $97.7M | |
| Loans / deposits | 66.06% (p12 of band) | 87.10% |
| Liquid assets / assets | 40.00% (p90 of band) | |
| Uninsured deposits / deposits | 24.49% (p29 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.52% (p39 of band) | |
| FHLB advances / assets | 1.32% | |
| Tier 1 leverage | 11.95% (p75 of band) | 10.50% |
| Unrealized securities loss / equity | -42.75% (p4 of band) | -7.75% |
| AOCI / equity | -1.54% (p8 of band) | |
| ROA (annualized) | 1.77% (p81 of band) | 1.26% |
| Net interest margin | 3.60% (p43 of band) | 3.70% |
| Efficiency ratio | 59.34% (p52 of band) | |
| Noncurrent loans | 0.28% (p31 of band) | 0.51% |
| Net charge-offs (annualized) | 0.08% (p73 of band) | |
| Reserve coverage of noncurrent | 425.28% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 105.33% (p90 of band) | |
| Auto loans | $8.8M (1.33% of loans; DQ 0.57%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 7.6% | |
| Employees | 146 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **securities losses >30% of equity** (`cap_secloss`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 0 |  | capital falling |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | capital falling |  |
| 2012-09 | 0 |  | capital falling |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | AOCI drag >20% of equity |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | AOCI drag >20% of equity |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | NIM <2.5% |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 3 | deposits shrinking, assets shrinking |  |
| 2017-03 | 4 | uninsured deposits leaving |  |
| 2017-06 | 3 |  | NIM <2.5% |
| 2017-09 | 2 |  | uninsured deposits leaving |
| 2017-12 | 3 | uninsured deposits leaving |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2018-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2018-12 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 0 |  | capital falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | deposits shrinking |  |
| 2020-03 | 2 | capital falling, charge-offs p90 | deposits shrinking |
| 2020-06 | 1 |  | charge-offs p90 |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 2 | capital falling, NIM <2.5% |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling, NIM <2.5% |
| 2022-06 | 2 |  |  |
| 2022-09 | 6 | construction >100% equity, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2022-12 | 3 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2023-03 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 2 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | construction >100% equity |
| 2024-12 | 2 | construction >100% equity |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | capital falling |  |
| 2026-06 | 3 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-09 [Hilltop Bank: ‘Cybersecurity incident’ takes all banking services offline - Oil City News](https://news.google.com/rss/articles/CBMitAFBVV95cUxNUzRoMFV1NVZGc25rU3pqMUZpZzlKRGp5alR1aU16cTFxTzQ3R2Rya2dCMWt0Z01IQzlPMklkOGhwVS0zV21JZmFydDFGRjVpcVhxVHV4NzJBaFpPNW1nbzFRX28ySl9wTDhGdnV3QnFIcG9zeUZ5Y2t2Qk1zeHRkUy1uckEyTE92SzRTQjZhMmlOUG9yeTgtaDRjaUhnU1BkaTRaTzlJaV94VEQ4VGdhajdScms?oc=5) · Oil City News
- 2026-09-09 [Customers Shocked As ‘Cybersecurity Incident’ Shuts Down Hilltop Bank Across Wyoming - Cowboy State Daily](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPcWhWWnZlbkpJakxHLTFISzNrVVNCYUpqRy1aZWcxTEVZbzBUMV8zTEdfWDd0VU9ZRk9acmV2Sm9nVEFRWmdQVnozRlp4VFMxSmRBUHlYaGVTMlJ2a2ctQVJoTXZZTFAwLWNjdWN2Tk5NMTJLQV9RSmFra0ZtQVFkUFdLMnlEa0dCS3NsRnotaGpNaFUxXzJLQTNibHk3WWNuMldRLUd0MnNqdw?oc=5) · Cowboy State Daily
- 2023-11-15 [Casper-based Hilltop National Bank to expand into Cheyenne market - Oil City News](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPVmZMeTZ5MmVZeVVCVWhYQ2dVLW9zdlRrV19ZWEJNTkd0MU12MGJKd0JoaDV4cXdvUE5sTWhTbThEMDdUdzNXWFprWVFCTzctYk5GZTRINDlEcmNwMzZtQjhjdml2OWVzZkVVLVdLN1V5YTFtVE1ldVZSeXFRbFU2N1UyV0d1QnFLQk0wUWNMUHA1bFpmRkNMMTMyalBESHhfOVlzT0pxQ0F6d1BYemJxSzFqTHdNV2gw?oc=5) · Oil City News
- 2024-08-27 [At 60 Years, Hilltop Bank Stays Focused On Community Needs - Cowboy State Daily](https://news.google.com/rss/articles/CBMinwFBVV95cUxOdk9iZS1OTFhEWUdORlcyQW1wMnliUGtvQVRUSmZnLTNFeER1QmZURU5NWEU4RkY1Q1p6b3lSRldueVh5UldJc3o4T3QwQXRlWE5scTdDbGVGNkpnLTdGRVRMUVRTVl9CaHhNU0NiNF9MTXoxbzZHcmdkZmtacXNHTkdLZnVONDBtSHhWU3VEcE5jT3FndFNJXzl2czR3UE0?oc=5) · Cowboy State Daily
- 2023-11-15 [Hilltop Expands Casper-Rooted Bank Footprint to the Capital City - K2 Radio](https://news.google.com/rss/articles/CBMijgFBVV95cUxOUHdBVDMtVFN3RlJTajMwVW5HWFFSZ3NDMHJySFZaS0w5Nk1PR1NMT3hsS3dKckM1SGJXR0pQeXBzclVYR2hlUTVQdk43MnlPVVhScE5aaVBobW11b3hITmQwLUNzYWsxb3RDVV9jTUZjUjQ0VmxSUUs1ajhoS0o2WjBoblBoVlMzWUF1cTFR?oc=5) · K2 Radio
- 2018-06-21 [Today’s Job Listings: Now Hiring at Hilltop National Bank - Oil City News](https://news.google.com/rss/articles/CBMimAFBVV95cUxNWlg2Ti1PcG1zbUdFMUNwQnRoaXdyLS1OM0p1RGd6UDdmRlpLamFpdWZqWmp1ejdXRE95UGh2UWxpWmQ0dHg2UG9ObW9iZzhreEtiTENBUUdxR25RRkFIRGtVYi1aTXBtTjFlZXdGT1JaTG1xWUZDTVh3d2hRUGFSUGRDLTFZNmtxdU1DUzlEbm5FR0NqOU1rQg?oc=5) · Oil City News
- 2025-10-02 [Cathy Lynn Carson Obituary Oct 2, 2025 - newcomercasper.com](https://news.google.com/rss/articles/CBMiZEFVX3lxTE9zenlBMmVBcTFCS1JKbUJ4OXJjYUJncnIxMTVzN3RfSWZERzFQbnhCSE50YS1iNTVZcW10RDhJems0Ujc0SmhXckpFTDdPR2U0UEZ0ZkVHbE1DdjNWaHgyeHBLOTU?oc=5) · newcomercasper.com
- 2022-05-05 [PHOTOS: Lemonade Day Kickoff at Hilltop National Bank - K2 Radio](https://news.google.com/rss/articles/CBMifkFVX3lxTE5jT0JaUVlsd3didUc1a002RGVreHducEhCbC1kQlZ6S1lmX0JBTzVLY0hKV2Y3LXJlZE9CUzVCdWZFWS1MMWRTTWMxS2oxTHJITHZMWmhZaXV6Z3JEMDFNRjJDWHd0N19XS1czNVNJZTdNdlQ0M0JhMnNsR0Ytdw?oc=5) · K2 Radio

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19184 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/48.json (key "19184", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide