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): 16.39 percentage points lower than in Q1 2026, at 134.00%. Within Oklahoma, High Plains Bank is 60th of 169 on loan-to-deposit ratio, 84.63% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. High Plains Bank sits 3.68 points higher, at 84.63% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $241.2M |
| Net loans and leases | $238.7M |
| Loans held for sale | $0 |
| Loans to total assets | 73.04% |
| Loan-to-deposit ratio | 84.63% |
| Net loans to equity capital | 5.69% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 30.62% |
| Multifamily (5+ residential) | 0.01% |
| Commercial and industrial | 8.43% |
| Consumer | 2.54% |
| Credit cards | 0.00% |
| Farm | 11.53% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.26% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 134.00% |
| Construction concentration (Tier 1 capital + allowance) | 21.78% |
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 | 9.40% |
| Interest income on loans | $6.0M |
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 | $136.5M | $156.9M | 41.97% | 5.54% | 5.33% |
| Q4 2023 | $141.0M | $154.1M | 40.79% | 6.98% | 4.97% |
| Q1 2024 | $138.5M | $157.2M | 40.94% | 7.06% | 4.81% |
| Q2 2024 | $135.8M | $150.3M | 41.51% | 7.27% | 4.82% |
| Q3 2024 | $131.9M | $159.9M | 42.26% | 8.19% | 4.59% |
| Q4 2024 | $147.9M | $160.8M | 38.69% | 8.01% | 3.96% |
| Q1 2025 | $157.0M | $170.9M | 37.27% | 7.34% | 3.52% |
| Q2 2025 | $161.0M | $178.5M | 39.32% | 8.10% | 3.29% |
| Q3 2025 | $173.7M | $186.0M | 37.35% | 7.61% | 3.47% |
| Q4 2025 | $166.2M | $186.9M | 28.60% | 7.69% | 3.51% |
| Q1 2026 | $175.7M | $186.6M | 27.48% | 6.72% | 3.04% |
| Q2 2026 | $241.2M | $285.0M | 30.62% | 8.43% | 2.54% |
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 418) · FFIEC NIC profile (RSSD 881852)