High Plains Bank (Flagler, CO)
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Data as of · sourced from FFIEC call reports. How we update
High Plains Bank is an FDIC-insured commercial bank headquartered in Flagler, CO, established in 1908 (FDIC certificate 3017), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $643.1M, up 50.0% from Q2 2025, the 17th largest of 63 banks headquartered in Colorado. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.60% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 3017
- Headquarters
- Flagler, CO
- Established
- 1908
- Total assets, Q2 2026
- $643.1M
- Assets vs Q2 2025
- +50.0%
- Tier 1 leverage ratio, Q2 2026
- 9.60%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 102102000
- Holding company
- HIGH PLAINS BANKING GROUP, INC.
- Asset rank in state
- 17th of 63 in Colorado
High Plains Bank is one of the more profitable banks of its size. It reported $643 million in assets at June 30, 2026, up 50.0% from a year earlier. It earns about $2.81 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also grew its loan book 27.3% over the year, 5.0 times the median of 5.5% for banks its size. A wide margin does most of the work: it keeps 4.51 cents of net interest income on every dollar of earning assets.
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.70% of loans from 2.08%. Deposits are coming in faster than loans: over the year loans rose 27.3% and deposits rose 50.9%. Where it has less room is capital: it funds 9.60% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, High Plains Bank reported a return on assets of 2.81%, a nonperforming-loan ratio of 0.70% and a Texas ratio of 6.01%. The figures come from its call report filed with the FFIEC.
Of the 63 banks headquartered in Colorado, High Plains Bank is the 17th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 39.7% to $643.1M, loans rose 17.2% and deposits rose 39.6%. 1-4 family residential loans made up 22.9% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 22.3%. Its 9 offices in the FDIC Summary of Deposits are in 8 cities in CO; its Longmont 2 offices book 26% of its branch deposits. On its Q2 2026 call report, High Plains Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 329 Main Ave, Flagler, CO 80815
- County
- Kit Carson
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1908
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 116
- Domestic deposits
- $567.0M
- Allowance for credit losses
- $5.0M
- Net charge-offs (YTD)
- $60K
- Average total assets
- $608.7M
- Average total loans
- $464.1M
- Average interest-bearing deposits
- $430.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3017
- Fed RSSD
- 247551
- SEC CIK
- 1918449 → filed by HIGH PLAINS BANKING GROUP, INC.
- Website
- www.highplainsbank.com →
- Parent Holding Company
- HIGH PLAINS BANKING GROUP, INC. (RSSD 1062760)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, High Plains Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, High Plains Bank's total assets ran between $384.8M (Q4 2023) and $643.1M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$643.1M total assets against $428.6M; $578.1M total liabilities against $386.9M.
$457.7M net loans and leases against $359.4M; $567.0M total deposits against $375.7M.
$81.2M securities against $28.8M; $66.9M cash and balances due against $21.4M.
$9.1M total interest income against $6.9M; $2.8M total interest expense against $2.1M.
$6.3M net interest income against $4.8M.
$797K total noninterest income against $650K; $4.8M total noninterest expense against $3.8M.
-$148K provision for credit losses against $250K.
$4.3M net income against $1.4M.
2.81% return on assets against 1.31%; 4.51% net interest margin against 4.73%.
9.60% tier 1 leverage ratio against 9.86%.
Inside the full High Plains Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeHigh Plains Bank rankings
Its closest position to the top of a national ranking is 97 of 3,611, for ROA; its furthest is 2,492 of 3,606, for efficiency ratio.
Banks merged into High Plains Bank
- The First National Bank of Hugo, effective April 22, 2026
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.05% (Q1 2025) to 2.81% (Q2 2026) and its net interest margin ran from 4.40% (Q1 2025) to 4.87% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.60% | 2.81% | 0.70% | 6.01% | 4.51% |
| Q1 2026 | 9.70% | 1.29% | 0.39% | 3.84% | 4.67% |
| Q4 2025 | 9.81% | 1.45% | 0.36% | 3.52% | 4.87% |
| Q3 2025 | 9.71% | 1.44% | 2.31% | 19.35% | 4.74% |
| Q2 2025 | 9.86% | 1.31% | 2.08% | 17.12% | 4.73% |
| Q1 2025 | 10.12% | 1.05% | 2.20% | 17.71% | 4.40% |
| Q4 2024 | 10.40% | 1.30% | 0.23% | 2.34% | 4.66% |
| Q3 2024 | 10.52% | 1.36% | 0.20% | 2.08% | 4.70% |
Swipe the table sideways to see every column.
Branch Network
View all 9 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Longmont Branch | Longmont , CO | 80501 | $149.9M |
| High Plains Bank (main office) | Flagler , CO | 80815 | $96.1M |
| Wiggins Branch | Wiggins , CO | 80654 | $76.5M |
| First National Bank of Hugo Branch | Hugo , CO | 80821 | $72.1M |
| Bennett Branch | Bennett , CO | 80102 | $52.8M |
| Limon Branch | Limon , CO | 80828 | $40.8M |
| First Mountain Bank Branch | Leadville , CO | 80461 | $39.5M |
| Keenesburg Branch | Keenesburg , CO | 80643 | $39.2M |
| 385 Main Branch | Longmont , CO | 80501 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 22, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 22, 2026 | Structure Change | Acquired The First National Bank of Hugo Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in CO, rank 33 of 121 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 41 applications, 29 loans originated, $16.8M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 4 loans, $1.3M approved, $313K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about High Plains Bank
What are High Plains Bank's total assets?
As of the Q2 2026 filing, High Plains Bank reported total assets of $643.1 million in its FFIEC call report.
Where is High Plains Bank headquartered?
It is headquartered in Flagler, CO, United States.
When was High Plains Bank founded?
It was established in 1908, per the FDIC institution directory.
Is High Plains Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3017). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates High Plains Bank?
High Plains Bank's primary federal regulator is the Federal Reserve.
How many branches does High Plains Bank operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is High Plains Bank's Texas Ratio?
Its Texas Ratio is 6.01% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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