Bank Comparison
High Plains Bank vs Community State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 11
winning metrics across 20 comparable rows
Capital adequacy
| Metric | High Plains Bank | Community State Bank |
|---|---|---|
| CET1 Ratio | — | 13.89% |
| Tier 1 Capital Ratio | — | 13.89% |
| Total Capital Ratio | — | 15.15% |
| Tier 1 Leverage Ratio | 9.83% | 12.26% |
| Equity / Assets | 10.73% | 11.65% |
Profitability
| Metric | High Plains Bank | Community State Bank |
|---|---|---|
| Return on Assets (ROA) | 1.80% | 1.88% |
| Return on Equity (ROE) | 17.77% | 14.96% |
| Net Interest Margin (NIM) | 3.83% | 4.29% |
| Yield on Earning Assets | 6.52% | 6.61% |
| Cost of Funds | 3.03% | 2.56% |
Asset quality
| Metric | High Plains Bank | Community State Bank |
|---|---|---|
| Texas Ratio | 8.65% | 4.53% |
| Non-Performing Loan Ratio | 0.66% | 0.76% |
| Non-Performing Asset Ratio | 0.55% | 0.59% |
| Net Charge-Off Ratio | 0.00% | 0.04% |
| ACL / Loans | 0.98% | 2.57% |
Balance sheet
| Metric | High Plains Bank | Community State Bank |
|---|---|---|
| Total Assets | $211,748K | $212,212K |
| Total Deposits | $186,598K | $186,715K |
| Total Loans | $175,673K | $165,328K |
| Total Equity | $22,715K | $24,725K |
| Net Income (quarter) | $1,001K | $957 |
Liquidity & funding
| Metric | High Plains Bank | Community State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 94.15% | 88.55% |
| Core Deposit Ratio | 93.25% | 74.23% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | High Plains Bank | Community State Bank |
|---|---|---|
| Headquarters City | OKEENE | LAMAR |
| Headquarters State | OK | CO |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 3 | 2 |
| Employees (FTE) | 26 | 24 |
| Established | Feb. 11, 1930, midnight | July 15, 2008, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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