High Plains Bank (Okeene, OK)
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Data as of · sourced from FFIEC call reports. How we update
High Plains Bank is an FDIC-insured commercial bank headquartered in Okeene, OK, established in 1930 (FDIC certificate 418), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $330.2M, the 76th largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.76% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 418
- Headquarters
- Okeene, OK
- Established
- 1930
- Total assets, Q2 2026
- $330.2M
- Tier 1 leverage ratio, Q2 2026
- 10.76%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 103112455
- Latest call report
- Q2 2026, FFIEC 051 · High Plains Bank call report
- Holding company
- HPB HOLDINGS, INC.
- Asset rank in state
- 76th of 169 in Oklahoma
High Plains Bank is one of the more profitable banks of its size. The Okeene, Oklahoma bank had $330 million in assets at June 30, 2026, against $204 million a year earlier. It returns 22.9% a year on shareholders' equity, about double the median of 12.5% for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 5.12 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.95 cents).
Earnings jumped: net income for the quarter was $1.8 million, 69% above the same quarter a year earlier. Over the same year, loans grew 49.8% and deposits grew 59.7%. Funding is the softer spot: it pays an average of 3.50% on its deposits and borrowings, about double the median of 1.80% for banks its size.
As of June 30, 2026, High Plains Bank reported a return on assets of 2.11%, a nonperforming-loan ratio of 0.97% and a Texas ratio of 5.96%. The figures come from its call report filed with the FFIEC.
Of the 169 banks headquartered in Oklahoma, High Plains Bank is the 76th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 55.9% to $330.2M, loans rose 37.3% and deposits rose 52.7%. Agricultural production loans made up 25.3% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 18.4%. The FDIC Summary of Deposits lists 3 offices for it, in Alva, OK, Okeene, OK and Cordell, OK; its Alva office books 67% of its branch deposits. By the capital ratios in its Q2 2026 call report, High Plains Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 202 N Main St, Okeene, OK 73763
- County
- Blaine
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- February 11, 1930
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 40
- Domestic deposits
- $285.0M
- Allowance for credit losses
- $2.5M
- Net charge-offs (YTD)
- $105K
- Average total assets
- $350.6M
- Average total loans
- $253.9M
- Average interest-bearing deposits
- $256.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 418
- Fed RSSD
- 881852
- Website
- www.hpbank.us →
- Parent Holding Company
- HPB HOLDINGS, INC. (RSSD 1060711)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, High Plains Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
High Plains Bank's total assets moved between a low of $174.7M (Q2 2024) and a high of $330.2M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$330.2M total assets against $203.8M; $288.3M total liabilities against $180.7M.
$238.7M net loans and leases against $159.4M; $285.0M total deposits against $178.5M.
$6.5M securities against $8.0M; $63.7M cash and balances due against $26.5M.
$6.9M total interest income against $3.1M; $2.6M total interest expense against $1.3M.
$4.4M net interest income against $1.8M.
$199K total noninterest income against $130K; $2.6M total noninterest expense against $807K.
$130K provision for credit losses against $40K.
$1.8M net income against $1.1M.
2.11% return on assets against 2.21%; 5.12% net interest margin against 3.88%.
10.76% tier 1 leverage ratio against 11.32%.
Inside the full High Plains Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeHigh Plains Bank rankings
Its closest position to the top of a national ranking is 392 of 3,611, for ROA; its furthest is 2,327 of 4,196, for total assets.
Banks merged into High Plains Bank
- Community Bank, effective May 16, 2026
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.28% (Q4 2024) to 2.21% (Q2 2025) and its net interest margin ran from 3.61% (Q1 2025) to 5.12% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.76% | 2.11% | 0.97% | 5.96% | 5.12% |
| Q1 2026 | 9.83% | 1.80% | 1.14% | 8.64% | 3.83% |
| Q4 2025 | 10.31% | 0.69% | 1.21% | 8.78% | 4.01% |
| Q3 2025 | 11.15% | 1.95% | 0.64% | 4.66% | 4.00% |
| Q2 2025 | 11.32% | 2.21% | 0.83% | 5.79% | 3.88% |
| Q1 2025 | 11.58% | 2.02% | 0.71% | 4.95% | 3.61% |
| Q4 2024 | 11.62% | 0.28% | 0.54% | 3.61% | 3.64% |
| Q3 2024 | 12.41% | 1.79% | 0.56% | 3.33% | 3.65% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Alva Branch | Alva , OK | 73717 | $191.0M |
| High Plains Bank (main office) | Okeene , OK | 73763 | $56.7M |
| Cordell Branch | Cordell , OK | 73632 | $37.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 16, 2026 | Structure Change | Acquired Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 15, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 31, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 31, 2019 | Structure Change | Acquired State Guaranty Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in OK, rank 82 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $3.6M approved, $3.6M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about High Plains Bank
What are High Plains Bank's total assets?
As of the Q2 2026 filing, High Plains Bank reported total assets of $330.2 million in its FFIEC call report.
Where is High Plains Bank headquartered?
It is headquartered in Okeene, OK, United States.
When was High Plains Bank founded?
It was established in 1930, per the FDIC institution directory.
Is High Plains Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #418). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates High Plains Bank?
High Plains Bank's primary federal regulator is the FDIC.
How many branches does High Plains Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is High Plains Bank's Texas Ratio?
Its Texas Ratio is 5.96% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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