Hilltop National Bank: Bank Stress & Real-Estate Credit Exposure

Bank stress at Hilltop National Bank (FDIC Cert #19184) registers 60/100 on DLRadar's scale — a elevated reading. DLRadar builds the reading from the institution's federal call-report filings (capital, credit quality, earnings, real-estate exposure) and weights it by the markets it finances.

No bank is too small to score the same way: Hilltop National Bank runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 3-county, 31-ZIP profile means exactly what it would for any institution nationwide. Because Hilltop National Bank is held under Midland Financial Corp, its financials are open to scrutiny and its trend can be independently checked. County by county, that footprint includes Natrona County, WY, Laramie County, WY, Converse County, WY, among others DLRadar tracks parcel by parcel. Its footprint is compact and single-state: 31 ZIP codes in 3 counties over 1 states. It concentrates most in Wyoming (3 counties). Rather than a standalone rating, the elevated score is tied to real markets — every one of the 31 ZIP codes Hilltop National Bank lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. Hilltop National Bank's score blends four call-report dimensions — capital, credit quality, earnings and property-loan concentration — into one 0–100 number, weighted by lending footprint, which is why it reads as a market signal rather than a generic solvency grade. Seven-day momentum reads stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. The combination of a elevated reading and a compact footprint is what makes Hilltop National Bank worth watching as a supply signal.

For buyers, lender stress is an early map of supply: when Hilltop National Bank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. That makes bank stress a forward indicator — it points to tomorrow's distressed supply, not yesterday's.

The same deterministic model runs for all FDIC banks, each wired to on-the-ground foreclosure, tax-lien and ownership signals. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.