Great Plains National Bank

Great Plains National Bank earns an unusually wide margin on its lending. The Elk City, Oklahoma bank had $1.9 billion in assets at June 30, 2026, up 4.8% from a year earlier. It keeps 5.36 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 3.71 cents). On the other hand, it holds common equity equal to 10.86% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 13.52%).

Its $217 million non-owner-occupied commercial real estate book is improving, with 1.33% past due or on nonaccrual, down from 3.47% a year earlier. Its $375 million commercial and industrial book is improving, with 0.46% past due or on nonaccrual, down from 2.53% a year earlier. Credit is the area to watch: it carries problem assets equal to 12.1% of the capital and reserves that would absorb them, about triple the median of 3.6% for banks its size.

As of June 30, 2026, Great Plains National Bank reported a CET1 capital ratio of 10.86%, a return on assets of 1.83%, a nonperforming-loan ratio of 1.33% and a Texas ratio of 12.06%. The figures come from its call report filed with the FFIEC.