High Plains Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 43.04 percentage points lower than in Q1 2026, at 111.28%. Among 63 Colorado banks, High Plains Bank sits 2nd from the top on return on assets, 2.81% as of Q2 2026. High Plains Bank's return on assets of 2.81% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 1.55 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.60% |
| Equity capital to assets | 10.12% |
| Tangible equity to tangible assets | 9.04% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.98% |
| Non-performing assets ratio | 0.78% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 8.13% |
| Allowance for credit losses to loans | 1.09% |
| Reserve coverage of non-performing loans | 111.28% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.81% |
| Return on equity | 31.50% |
| Net interest margin | 4.51% |
| Efficiency ratio | 66.73% |
| Yield on earning assets | 6.49% |
| Cost of funds | 2.01% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.62% |
| Core deposits to total deposits | 90.90% |
| Brokered deposits to total deposits | 3.54% |
| Deposits to assets | 88.17% |
| Securities to assets | 12.63% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.29% | 1.23% | 4.33% | 0.16% | 0.02% |
| Q4 2023 | 10.31% | 1.16% | 4.60% | 0.20% | 0.12% |
| Q1 2024 | 10.42% | 1.19% | 4.33% | 0.64% | -0.01% |
| Q2 2024 | 10.53% | 1.29% | 4.54% | 0.69% | 0.02% |
| Q3 2024 | 10.52% | 1.36% | 4.70% | 0.58% | 0.00% |
| Q4 2024 | 10.40% | 1.30% | 4.66% | 0.87% | 0.36% |
| Q1 2025 | 10.12% | 1.05% | 4.40% | 2.53% | -0.01% |
| Q2 2025 | 9.86% | 1.31% | 4.73% | 2.45% | 0.02% |
| Q3 2025 | 9.71% | 1.44% | 4.74% | 2.66% | 0.00% |
| Q4 2025 | 9.81% | 1.45% | 4.87% | 0.72% | 0.08% |
| Q1 2026 | 9.70% | 1.29% | 4.67% | 0.71% | 0.05% |
| Q2 2026 | 9.60% | 2.81% | 4.51% | 0.98% | 0.01% |
High Plains Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock High Plains Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)