High Plains Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks High Plains Bank of Flagler, CO against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.81% | 1.34% | +1.47% | 96th top |
| ROAE | 31.50% | 13.30% | +18.20% | 98th top |
| Net Interest Margin | 4.51% | 3.93% | +0.58% | 79th top |
| Efficiency Ratio | 66.73% | 61.14% | +5.59% | 36th below |
| PPNR / Avg Assets | 1.51% | 1.68% | -0.17% | 45th below |
| Yield on Earning Assets | 6.49% | 5.67% | +0.82% | 87th top |
| Cost of Funds | 2.01% | 1.88% | +0.13% | 37th below |
| Net Interest Spread | 3.59% | 3.32% | +0.27% | 64th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.98% | 0.94% | +0.04% | 29th below |
| NPA / Total Assets | 0.78% | 0.70% | +0.08% | 27th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 39th below |
| ACL / Total Loans | 1.09% | 1.28% | -0.19% | 37th below |
| ACL / NPLs (Coverage) | 111.28% | 1539.65% | -1428.37% | 31st below |
| Texas Ratio | 8.13% | 7.33% | +0.80% | 28th below |
| Provision / NCO | 46.67% | 1396.77% | -1350.10% | 28th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.60% | 12.14% | -2.54% | 24th bottom |
| Equity / Assets | 10.12% | 11.38% | -1.26% | 46th below |
| TCE / Tangible Assets | 9.04% | 11.09% | -2.05% | 32nd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 81.62% | 80.64% | +0.98% | 48th below |
| Core Deposit Ratio | 90.90% | 86.86% | +4.04% | 60th above |
| Wholesale Funding Ratio | 1.36% | 5.04% | -3.68% | 77th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 50.04% | 6.83% | +43.21% | 99th top |
| Loan Growth (Y/Y) | 27.30% | 7.89% | +19.41% | 96th top |
| Deposit Growth (Y/Y) | 50.93% | 6.26% | +44.67% | 99th top |
See High Plains Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock High Plains Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full High Plains Bank profile, how to read a UBPR, or how this data updates.