Hilltop National Bank
Hilltop National Bank is a privately held Wyoming community bank founded in 1964, operating five branches and 13 ATMs to provide personal banking, business banking, trust and wealth management, and HR services to Wyoming consumers, businesses, and employers.
- Company typePrivate
- Founded1964
- HeadquartersCasper, United States
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What Hilltop National Bank does
Hilltop National Bank (HNB) is a privately held Wyoming community bank, founded July 22, 1964 in Casper, Wyoming, and 100% locally owned by the True family. It serves consumer, small-business, and wealth-management customers through five full-service branch locations (Casper, Glenrock, Cheyenne with two offices including the 2025 Cheyenne Prairie Office, and Gillette) supported by 13 ATM sites across the state. Its product portfolio spans personal banking (checking, savings, mortgage, and consumer credit cards), business banking (commercial loans and Treasury services), trust and wealth management, and an unusually broad set of Human Resources administration services (payroll, cafeteria plans, HRA/HSA, COBRA) targeted at Wyoming employers.
Underlying technology is built on a standard core banking platform augmented through third-party integrations rather than proprietary systems. Card processing is delivered via BASYS Processing, credit card issuance through Elan Financial Services, FDIC-sweep treasury solutions through Promontory, mortgage origination through Ellie Mae, peer-to-peer payments via Zelle, and surcharge-free ATM access through MoneyPass. These integrations extend the bank's product surface without requiring in-house engineering at community-bank scale.
Revenue mechanics are split across net interest income (deposit gathering and lending in the Wyoming market), fee income from the Trust and Wealth Management department (chartered 1984, currently managing over $1.4 billion in assets), and service fees from merchant processing and HR administration. Customer acquisition is driven primarily by the physical branch and ATM network, family-ownership continuity, and community-facing programs such as Lemonade Day sponsorship. Pricing is tiered on subscription-style consumer account packages, with relationship-based pricing on commercial and wealth accounts. HNB operates in a regulated FDIC-insured national bank charter and competes principally with regional and national banks operating in Wyoming, rather than with fintech challengers directly.
Hilltop National Bank firmographics
Firmographics- Name
- Hilltop National Bank
- Legal name
- Hilltop National Bank
- Website
- https://hilltop.bank
- Company type
- Private
- Founded year
- 1964
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Hilltop National Bank is a privately held Wyoming community bank founded in 1964, operating five branches and 13 ATMs to provide personal banking, business banking, trust and wealth management, and HR services to Wyoming consumers, businesses, and employers.
- Ownership category
- akta.pro rank
Hilltop National Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (52211), Depository Credit Intermediation (5221), Portfolio Management and Investment Advice (523940)
- SIC
- National Commercial Banks (6021)
- akta.pro primary industry
- Onshore Private Banking (Domestic HNW/UHNW) (FSAAABAA)
Keywords
Where Hilltop National Bank is headquartered
LocationHeadquarters
- HQ city
- Casper
- HQ country
- United States
- HQ region
- North America
Offices9 records
Markets served
Hilltop National Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales
Revenue model
- Interest Income from Lending: Primary revenue from interest earned on personal and commercial loans including mortgages, auto loans, business loans, and credit cards. Loans include conventional, FHA, VA, WCDA, agricultural, construction, SBA guaranteed, commercial real estate, and personal loans.
- Deposit Account Fees and Service Charges: Monthly service fees on checking and savings accounts, analysis fees on business accounts, ATM fees, wire transfer fees, and overdraft fees.
- Wealth Management and Trust Services: Fees from investment management, trust administration, estate settlement, and retirement plan services. Department manages over $1.4 billion in assets.
- Payroll Processing Services: Comprehensive payroll processing for businesses including payroll calculations, tax reporting, and direct deposit services.
- Cafeteria Plan Administration: Section 125 Cafeteria Plan administration including Flexible Spending Accounts and insurance premium processing.
- Credit Card Processing: Merchant services revenue through BASYS Processing partnership for credit and debit card processing.
- Lockbox Services: Remittance processing services for businesses to process payments received by mail.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | E-Z Checking - Basic personal checking with no monthly fee |
| Subscription | Monthly | Premier Snapshot Checking - Interest-earning premier checking |
| Subscription | Monthly | Freedom 50 Checking - Account for customers 50+ years old |
| Subscription | Monthly | Money Market Savings |
| One time/ perpetual license | Multi-year contract | Certificate of Deposit (CD) |
| Subscription | Monthly | E-Z 150 Business Checking - For start-up and non-profit businesses |
| Subscription | Monthly | Snapshot Low Activity Checking - Low activity business checking |
| Subscription | Monthly | Analysis Checking - For high volume businesses |
| Subscription | Annual | Business Safe Deposit Boxes |
| Subscription | Monthly | Ready Reserve Line of Credit |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels5 records
Hilltop National Bank product offering
Product offeringCore offering
Hilltop National Bank is a Wyoming-based community bank that provides personal and business banking products and services, including deposit accounts, consumer and commercial loans, mortgages, credit cards, treasury management, merchant card processing, and trust and wealth management services. It operates 5 branch locations and 13 ATM sites across Wyoming with local decision-making authority, and offers online and mobile banking channels.
Product overview
Hilltop National Bank offers a comprehensive suite of banking products organized across Personal Banking, Business Banking, Treasury Services, Human Resources, Trust and Wealth Management, and Digital Banking. The core banking platform includes checking and savings accounts, loans (personal, mortgage, and commercial), and credit cards. Treasury Services provides business-focused solutions including online banking, merchant services, lockbox, and fraud prevention tools. Human Resources offerings encompass payroll processing, cafeteria plans, and health benefit accounts (HRA/HSA). Trust and Wealth Management, managing over $1.4 billion in assets, delivers investment management, retirement planning, and estate administration services. Digital Banking capabilities include online and mobile banking with Zelle integration, mobile deposit, and account alerts. The bank's products integrate with third-party platforms including BASYS Processing for merchant services, Ellie Mae for mortgage origination, Elan Financial Services for credit cards, and Promontory for FDIC-insured cash sweep services.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Checking Accounts
- Personal Savings Accounts
- Certificates of Deposit
- Health Savings Accounts
- Personal Loans
- Mortgage Loans
- Personal Credit Cards
- Business Checking Accounts
- Business Loans and Lines of Credit
- Lease Financing
- Business Credit Cards
- Credit Card Processing / Merchant Services
- Lockbox Services
- Treasury Management Services
- Positive Pay
- Payroll Processing (Hilltop Business Solutions)
- Cafeteria Plans (Section 125)
- Health Reimbursement Arrangements (HRAs)
- Employer-Sponsored Retirement Plans
- Traditional, SEP, and Roth IRAs
- Investment Management and Trust Services
- Online Wealth Management (HB Total Wealth)
- Safe Deposit Boxes
Quantifiable outcome
- Trust and Wealth Management Department grown to over $1.4 billion in assets over 40+ years
Companies that use Hilltop National Bank
Customer profileSegments5 records
Ideal customer profiles3 records
Hilltop National Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration14 records
Feature5 records
Hilltop National Bank partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core and minor.
- BASYS ProcessingcoreHilltop Bank partnered with BASYS Processing to offer credit card processing services to business clients. The partnership provides dedicated account management, PCI compliance support, online reporting, acceptance of all major card brands, and competitive rates. Solutions include terminals with EMV chip technology, mobile processing, virtual terminal, e-commerce, and POS systems.
- David Street StationminorCommunity sponsorship and support for David Street Station, a community event space in Casper, Wyoming.
- Lemonade Day - CasperminorAnnual sponsor of Lemonade Day Casper, a national entrepreneurship education program teaching kids to start and operate lemonade stands. Hilltop Bank staff creates educational videos breaking down keys to success for participants.
- Lemonade Day NationalminorAffiliation with the national Lemonade Day program organization for curriculum and program support in Casper, Wyoming.
- PromontorycoreProvides Insured Cash Sweeps (ICS) and Certificate of Deposit Account Registry Services (CDARS) enabling multi-million dollar FDIC Insurance on funds while dealing directly with Hilltop Bank. Allows businesses to access FDIC coverage beyond standard limits.
- WCDA (Wyoming Community Development Authority)corePartnership to offer WCDA mortgage loans assisting low-to-moderate income buyers with low-interest rate financing and down payment assistance programs. Available for both first-time and non-first-time homebuyers in Casper, WY.
- Elan Financial ServicescoreProvider of business and personal credit cards issued through Hilltop Bank. Elan provides zero fraud liability, online expense reporting tools, no fee for additional employee cards, and 24/7 cardmember service.
Scale indicators5 records
Recent moves7 records
Expansion highlights5 records
Hilltop National Bank competitors and assessment
Company assessmentBroad incumbents
- Glacier Bancorp: Montana-based community banking franchise with multiple bank charters across the western U.S., including Wyoming. Operates a similar community banking model but at materially larger scale, with diversified community bank subsidiaries across multiple states.
- U.S. Bank: National bank with Wyoming presence providing personal, business, wealth, and treasury services. Comparable product set at massive scale — represents the competitive incumbent Hilltop must differentiate against through local service and relationships.
- Pinnacle Bank: Nebraska-headquartered regional bank with multi-state presence including Wyoming. Comparable in core community/commercial banking services and SMB focus, but with substantially larger scale and broader geographic footprint.
- Wells Fargo: National bank with Wyoming branch presence offering the full suite of personal, business, mortgage, and wealth services. Represents the scaled incumbent competing for the same Wyoming customers with greater product breadth and digital capabilities, even if without Hilltop's local relationship focus.
- First Interstate Bank: Montana-headquartered regional bank with significant Wyoming presence and broader western U.S. footprint. Comparable in Wyoming market and core banking products, but operates at meaningfully greater scale with more diversified geographic exposure.
- Sunflower Bank: Texas-based regional bank with western U.S. presence offering commercial banking, treasury services, and wealth management. Comparable in product breadth (including treasury/specialty services) but operates at significantly larger scale and geographic diversification.
Direct peers
- Wyoming Bank & Trust: Wyoming-based community bank offering personal and business banking, lending, and wealth services. Direct peer sharing the same Wyoming market, community banking orientation, and SMB / agricultural customer focus.
- Bank of Wyoming: Wyoming-based community bank serving individuals and businesses across the state. Direct peer in geographic market, customer segments, and core banking product offerings, with comparable relationship-based, locally-owned positioning.
- Jonah Bank of Wyoming: Wyoming-chartered community bank headquartered in Casper, WY — directly comparable to Hilltop in terms of geographic market (Casper/Wyoming), product offerings (personal/business banking, treasury, mortgages), and target customer base (Wyoming individuals, SMBs, and agricultural businesses).
- ANB Bank (now part of Bank of Wyoming): Wyoming-based community bank (now operating as Bank of Wyoming) offering personal and business banking, lending, and wealth services across Wyoming. Direct peer sharing the same Wyoming market, community banking model, and SMB/agricultural customer base.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Hilltop National Bank social profiles
Digital presenceHilltop National Bank compliance and trust
Trust signalCompliance3 records
Hilltop National Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Hilltop National Bank leadership team
Management profileNumber of profiles
Profiles3 records
Hilltop National Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Hilltop National Bank M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Hilltop National Bank
What does Hilltop National Bank do?
Hilltop National Bank is a Wyoming-based community bank that provides personal and business banking products and services, including deposit accounts, consumer and commercial loans, mortgages, credit cards, treasury management, merchant card processing, and trust and wealth management services. It operates 5 branch locations and 13 ATM sites across Wyoming with local decision-making authority, and offers online and mobile banking channels.
Is Hilltop National Bank a public or private company?
Hilltop National Bank is a private company. It is classified as family owned and is currently operating.
When was Hilltop National Bank founded?
Hilltop National Bank was founded in 1964. It employs 101 to 250 people.
Where is Hilltop National Bank based?
Hilltop National Bank is headquartered in Casper, United States, in the North America region.
How does Hilltop National Bank make money?
Seven revenue lines are on record. Interest Income from Lending is the primary driver. The others are deposit Account Fees and Service Charges, wealth Management and Trust Services, payroll Processing Services, cafeteria Plan Administration, credit Card Processing and lockbox Services.
Who are Hilltop National Bank's main competitors?
Broad incumbents on record are Glacier Bancorp, U.S. Bank, Pinnacle Bank, Wells Fargo, First Interstate Bank and Sunflower Bank. Direct peers are Wyoming Bank & Trust, Bank of Wyoming, Jonah Bank of Wyoming and ANB Bank (now part of Bank of Wyoming).
Does Hilltop National Bank have an API?
No public API is recorded for Hilltop National Bank.
What industry is Hilltop National Bank in?
Hilltop National Bank's product category is Community Banking. Its primary akta.pro industry code is FSAAABAA, Onshore Private Banking (Domestic HNW/UHNW). Its NAICS code is 52211 and its SIC code is 6021.