High Plains Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Cash and securities: 190.5% higher than in Q1 2026, at $148.1M. High Plains Bank ranks 32nd of 63 Colorado banks on loan-to-deposit ratio, in the lower half at 81.62% (Q2 2026). At 81.62%, High Plains Bank's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $66.9M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $148.1M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $8.7M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.36% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.62% |
| Net loans and leases to deposits | 80.73% |
| Loans and leases to core deposits | 86.42% |
| Core deposits to total deposits | 90.90% |
| Brokered deposits to total deposits | 3.54% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 95.68% | 95.96% | $0 | $30.7M |
| Q4 2023 | 98.04% | 96.02% | $0 | $30.5M |
| Q1 2024 | 95.31% | 91.56% | $0 | $20.1M |
| Q2 2024 | 94.17% | 88.48% | $0 | $9.9M |
| Q3 2024 | 94.27% | 87.43% | $0 | $12.3M |
| Q4 2024 | 95.67% | 86.41% | $0 | $12.0M |
| Q1 2025 | 97.30% | 87.69% | $0 | $9.3M |
| Q2 2025 | 96.77% | 87.10% | $0 | $9.2M |
| Q3 2025 | 95.99% | 87.20% | $0 | $9.2M |
| Q4 2025 | 97.67% | 86.76% | $0 | $9.0M |
| Q1 2026 | 97.19% | 87.35% | $0 | $8.8M |
| Q2 2026 | 81.62% | 90.90% | $0 | $8.7M |
High Plains Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock High Plains Bank, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full High Plains Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3017) · FFIEC NIC profile (RSSD 247551)