| Metric | Hilltop National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.0% | +5.5% | +7.6 pts |
| Deposit growth (YoY) | +7.6% | +5.1% | +2.5 pts |
| Loan growth (YoY) | +14.3% | +5.9% | +8.3 pts |
| ROA | 1.77% | 1.26% | +0.5 pts |
| ROE | 20.9% | 12.2% | +8.8 pts |
ROA ranks in the 81st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.14B | $987.6M | $652.4M | $97.7M | $10.2M | 1.77% | 3.60% | 0.16% |
| Q1 2026 | $1.14B | $1.04B | $624.7M | $97.3M | $4.9M | 1.68% | 3.37% | 0.15% |
| Q4 2025 | $1.17B | $1.05B | $599.5M | $97.4M | $18.2M | 1.72% | 3.46% | 0.11% |
| Q3 2025 | $1.08B | $984.4M | $595.4M | $93.4M | $13.3M | 1.72% | 3.48% | 0.37% |
| Q2 2025 | $1.00B | $917.9M | $570.9M | $80.6M | $8.3M | 1.63% | 3.46% | 0.00% |
| Q1 2025 | $1.07B | $991.1M | $537.7M | $75.7M | $3.8M | 1.48% | 3.32% | 0.00% |
| Q4 2024 | $961.2M | $873.1M | $514.5M | $82.7M | $14.6M | 1.48% | 3.28% | 0.00% |
| Q3 2024 | $1.07B | $975.8M | $492.6M | $91.4M | $10.0M | 1.34% | 3.21% | 0.00% |
Loan mix (Q2 2026): real estate $509.3M · commercial $112.6M · consumer $12.7M · securities $394.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Hilltop National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.77% | 1.26% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 20.9% | 12.2% | 92th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.60% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.3% | 59.0% | 51th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Hilltop National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Hilltop National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Hilltop National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Hilltop National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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