High Plains Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 9.60% +0.60 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $57.7M | 57,692 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $601.1M | 601,086 | RCOAA224 |
| Recomputed ratio | 9.60% | numerator / denominator | |
| Filed ratio | 9.60% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +0.60 pp | $3.6M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 37,000 | 19,300 | 19,300 | 19,300 | 19,300 | 19,300 | RCOAP742 |
| Retained earnings | 28,318 | 24,106 | 24,061 | 22,803 | 22,465 | 22,205 | RCOAKW00 |
| Accumulated other comprehensive income | (240) | (11) | 69 | 66 | (65) | (93) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 65,078 | 43,395 | 43,430 | 42,169 | 41,700 | 41,412 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (7,386) | 11 | (69) | (66) | 65 | 93 | P859 - P840 |
| Common equity Tier 1 capital | 57,692 | 43,406 | 43,361 | 42,103 | 41,765 | 41,505 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 57,692 | 43,406 | 43,361 | 42,103 | 41,765 | 41,505 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 601,086 | 447,611 | 442,193 | 433,609 | 423,693 | 410,290 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 9.60% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 9.70% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 9.81% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 9.71% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 9.86% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 10.12% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 10.40% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 10.52% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 10.53% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 10.42% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 10.31% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 9.29% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| High Plains Bank (this bank) | CBLR | NA | NA | NA | 9.60% | |
| Legence Bank | $642.9M | Risk-based | 14.61% | 14.61% | 15.73% | 9.55% |
| American State Bank & Trust Company of Williston | $643.5M | Risk-based | 19.81% | 19.81% | 21.06% | 12.06% |
| Mauch Chunk Trust Company | $642.8M | Risk-based | 15.14% | 15.14% | 16.40% | 7.94% |
| Home Federal Bank | $644.0M | Risk-based | 13.11% | 13.11% | 14.20% | 9.29% |
| Greenville National Bank | $641.5M | CBLR | NA | NA | NA | 13.02% |
| Bank & Trust Company | $641.3M | Risk-based | 16.19% | 16.19% | 17.44% | 11.27% |
| Spring Bank | $641.0M | CBLR | NA | NA | NA | 14.59% |
| Stillman Banccorp, N.A. | $645.6M | Risk-based | 18.29% | 18.29% | 19.22% | 9.20% |
| Peer 25th percentile | 14.74% | 14.74% | 15.90% | 9.27% | ||
| Peer median | 15.67% | 15.67% | 16.92% | 10.41% | ||
| Peer 75th percentile | 17.77% | 17.77% | 18.78% | 12.30% | ||
| This bank's percentile | NA | NA | NA | 50 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/247551/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.