High Plains Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 58.37 percentage points lower than in Q1 2026, at 180.91%. High Plains Bank ranks 32nd of 63 Colorado banks on loan-to-deposit ratio, in the lower half at 81.62% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; High Plains Bank reported 81.62% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $462.8M |
| Net loans and leases | $457.7M |
| Loans held for sale | $0 |
| Loans to total assets | 71.96% |
| Loan-to-deposit ratio | 81.62% |
| Net loans to equity capital | 7.03% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 35.93% |
| Multifamily (5+ residential) | 3.25% |
| Commercial and industrial | 5.40% |
| Consumer | 0.59% |
| Credit cards | 0.00% |
| Farm | 16.90% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.06% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 180.91% |
| Construction concentration (Tier 1 capital + allowance) | 56.82% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.85% |
| Interest income on loans | $7.9M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $307.4M | $321.3M | 31.23% | 8.97% | 1.08% |
| Q4 2023 | $306.3M | $312.4M | 30.95% | 9.05% | 0.95% |
| Q1 2024 | $311.7M | $327.1M | 32.20% | 9.16% | 0.90% |
| Q2 2024 | $315.7M | $335.2M | 32.35% | 9.34% | 0.90% |
| Q3 2024 | $325.8M | $345.6M | 32.01% | 9.51% | 0.84% |
| Q4 2024 | $338.8M | $354.1M | 31.27% | 9.15% | 0.78% |
| Q1 2025 | $351.9M | $361.6M | 31.14% | 8.60% | 0.71% |
| Q2 2025 | $363.6M | $375.7M | 31.76% | 7.96% | 0.67% |
| Q3 2025 | $376.6M | $392.3M | 32.52% | 7.77% | 0.59% |
| Q4 2025 | $377.9M | $386.9M | 33.38% | 6.79% | 0.55% |
| Q1 2026 | $394.9M | $406.3M | 35.84% | 6.48% | 0.50% |
| Q2 2026 | $462.8M | $567.0M | 35.93% | 5.40% | 0.59% |
High Plains Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock High Plains Bank, freeSource: Call Report Schedule RC-C, 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)