| 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
| 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 | 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% | 61st | |
Net interest margin Interest income − interest expense, ÷ assets | 4.01% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.3% | 62.9% | 23rd |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 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% |
The full ratio pack is part of CharterBench Pro.
3 branches in 3 counties across 1 state (+0 vs 2025) · $285.0M branch deposits. Biggest market: Woods, OK, ranked 2nd with 29.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Woods, OK | 1 | $191.0M | 29.85% | 2nd |
| Blaine, OK | 1 | $56.7M | 12.14% | 3rd |
| Washita, OK | 1 | $37.3M | 13.85% | 3rd |
Oklahoma: 94th with 0.17% ·
Branch count: 2022 5 · 2023 5 · 2024 3 · 2025 3 · 2026 3
Technology spend down 41% in 2025. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).
High Plains Bank is in an open deal as the acquirer: HPB Holdings, Inc. to acquire Community Bank (pending, filed Aug 23, 2025). Expect integration priorities and a consolidated vendor stack after closing.
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| May 15, 2026 | Acquirer | — | Reorganization | Completed | FDIC |
| Aug 23, 2025 | Acquirer | Community Bank | Acquisition | Pending | Federal Reserve |