High Plains Bank
Total assets
$330.2M
▲ +62.1% YoY
Deposits
$285.0M
▲ +59.7% YoY
Loans
$238.7M
▲ +49.8% YoY
Offices
3
HPB HOLDINGS INC
ROA (annualized)
1.66%
peers 1.24%
ROE (annualized)
13.81%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | High Plains Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +62.1% | +4.4% | +57.7 pts |
| Deposit growth (YoY) | +59.7% | +4.0% | +55.7 pts |
| Loan growth (YoY) | +49.8% | +5.6% | +44.2 pts |
| ROA | 1.66% | 1.24% | +0.4 pts |
| ROE | 13.8% | 11.9% | +1.9 pts |
ROA ranks in the 74th percentile of its peer group · Q2 2026
Profile
- Established
- 1930
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- HPB HOLDINGS INC
- Specialization
- Agricultural Specialization
- Address
- 202 N Main St, Okeene, OK, 73763
- County
- Blaine
- Offices
- 3
- FDIC cert #
- 418
- RSSD ID
- 881852
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $330.2M | $285.0M | $238.7M | $41.9M | $2.8M | 1.66% | 4.01% | 0.71% |
| Q1 2026 | $211.7M | $186.6M | $174.0M | $22.7M | $1.0M | 1.89% | 4.05% | 0.95% |
| Q4 2025 | $211.7M | $186.9M | $164.4M | $22.3M | $3.4M | 1.69% | 3.87% | 0.95% |
| Q3 2025 | $211.7M | $186.0M | $172.0M | $23.5M | $3.1M | 2.04% | 3.82% | 0.53% |
| Q2 2025 | $203.8M | $178.5M | $159.4M | $23.0M | $2.1M | 2.11% | 3.75% | 0.67% |
| Q1 2025 | $195.7M | $170.9M | $155.6M | $22.6M | $958K | 2.01% | 3.61% | 0.58% |
| Q4 2024 | $185.2M | $160.8M | $146.5M | $22.2M | $2.7M | 1.52% | 3.65% | 0.44% |
| Q3 2024 | $184.7M | $159.9M | $130.5M | $22.7M | $2.6M | 1.94% | 3.64% | 0.41% |
Loan mix (Q2 2026): real estate $153.0M · commercial $20.3M · consumer $6.1M · securities $6.5M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | High Plains Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.66% | 1.24% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 13.8% | 11.9% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.01% | 3.96% | 53th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.3% | 62.9% | 23th | |
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% |
Balance sheet
| 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| 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% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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