| Metric | High Plains Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +50.0% | +4.9% | +45.1 pts |
| Deposit growth (YoY) | +50.9% | +4.3% | +46.6 pts |
| Loan growth (YoY) | +27.4% | +5.3% | +22.0 pts |
| ROA | 2.22% | 1.28% | +0.9 pts |
| ROE | 22.6% | 12.4% | +10.1 pts |
ROA ranks in the 91st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $643.1M | $567.0M | $457.7M | $65.1M | $5.7M | 2.22% | 4.72% | 0.58% |
| Q1 2026 | $460.5M | $406.3M | $390.5M | $43.4M | $1.4M | 1.28% | 4.71% | 0.40% |
| Q4 2025 | $441.4M | $386.9M | $373.7M | $43.4M | $5.6M | 1.31% | 4.73% | 0.38% |
| Q3 2025 | $445.8M | $392.3M | $372.3M | $42.2M | $4.0M | 1.26% | 4.66% | 2.01% |
| Q2 2025 | $428.6M | $375.7M | $359.4M | $41.7M | $2.5M | 1.18% | 4.64% | 1.83% |
| Q1 2025 | $414.5M | $361.6M | $347.9M | $41.4M | $1.1M | 1.04% | 4.46% | 1.94% |
| Q4 2024 | $410.8M | $354.1M | $335.1M | $42.5M | $5.1M | 1.29% | 4.63% | 0.26% |
| Q3 2024 | $401.8M | $345.6M | $321.8M | $41.6M | $3.8M | 1.28% | 4.60% | 0.24% |
Loan mix (Q2 2026): real estate $401.4M · commercial $25.0M · consumer $2.7M · securities $81.2M
| Ratio | High Plains Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.22% | 1.28% | 91th | |
Return on equity Annualized net income ÷ equity or net worth | 22.6% | 12.4% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.72% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.0% | 61.2% | 71th |
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 | High Plains 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 | High Plains 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 | High Plains 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 | High Plains 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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