Hilltop National Bank (FDIC #19184): Bank Stress & Real-Estate Credit Exposure
Hilltop National Bank (FDIC Cert #19184): bank stress 60/100, elevated, STABLE over 7 days; parent MIDLAND FINANCIAL CORP.
Hilltop National Bank (#19184) lends in 3 counties across 1 state; Hilltop National Bank (#19184) reaches 31 ZIP codes: Wyoming 3 counties, 31 ZIPs.
Hilltop National Bank (#19184) largest markets: Natrona County, WY (70 branches, 14 ZIPs) (#19184), Laramie County, WY (13 branches, 13 ZIPs) (#19184), Converse County, WY (5 branches, 5 ZIPs) (#19184).
Hilltop National Bank (#19184) reports $1.14 billion in total assets; Hilltop National Bank (#19184) equity $97.7 million (8.6% of Hilltop National Bank (#19184) assets); Hilltop National Bank (#19184) domestic deposits $987.6 million; Hilltop National Bank (#19184) net income $10.2 million; Hilltop National Bank (#19184) return on assets 1.77%; Hilltop National Bank (#19184) return on equity 20.92%; Hilltop National Bank (#19184) net interest income $19.6 million; Hilltop National Bank (#19184) call report June 30, 2026.
Hilltop National Bank (#19184) noncurrent real-estate loans: none reported; Hilltop National Bank (#19184) net charge-offs on real estate 0.12%.
Hilltop National Bank (#19184) net interest margin 3.60% against an eight-quarter Hilltop National Bank (#19184) average of 3.40% (Hilltop National Bank (#19184) compression -0.20 points); Hilltop National Bank (#19184) rate-exposure score 40/100, Hilltop National Bank (#19184) fixed-rate trap 40/100; Hilltop National Bank (#19184) risk type credit driven; Hilltop National Bank (#19184) rate regime rates elevated, Hilltop National Bank (#19184) snapshot October 19, 2026.
Hilltop National Bank (#19184) stress score moved from 60.9 on June 22, 2026 to 60 on October 20, 2026; Hilltop National Bank (#19184) ranged 60 to 60.9 over 117 snapshots.
Hilltop National Bank (#19184) alerts: 3 counties; top Hilltop National Bank (#19184) alert scores: Casper County, WY 23 (low); Cheyenne County, WY 23 (low); Glenrock County, WY 23 (low).