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 Okeene, OK against its peer group of 2603 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 | 2.11% | 1.34% | +0.77% | 88th top |
| ROAE | 22.87% | 13.32% | +9.55% | 93rd top |
| Net Interest Margin | 5.12% | 3.93% | +1.19% | 94th top |
| Efficiency Ratio | 53.14% | 61.13% | -7.99% | 74th above |
| PPNR / Avg Assets | 2.26% | 1.68% | +0.58% | 82nd top |
| Yield on Earning Assets | 8.11% | 5.67% | +2.44% | 99th top |
| Cost of Funds | 3.50% | 1.88% | +1.62% | 1st bottom |
| Net Interest Spread | 3.03% | 3.32% | -0.29% | 34th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.85% | 0.94% | -0.09% | 32nd below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.62% | 0.70% | -0.08% | 32nd below |
| NCO / Avg Loans | 0.17% | 0.16% | +0.01% | 14th bottom |
| ACL / Total Loans | 1.03% | 1.28% | -0.25% | 29th below |
| ACL / NPLs (Coverage) | 120.90% | 1546.62% | -1425.72% | 33rd below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.99% | 7.34% | -1.35% | 35th below |
| Provision / NCO | 123.81% | 1395.48% | -1271.67% | 45th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.76% | 12.14% | -1.38% | 46th below |
| Equity / Assets | 12.70% | 11.36% | +1.34% | 76th top |
| TCE / Tangible Assets | 11.34% | 11.08% | +0.26% | 67th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.63% | 80.66% | +3.97% | 41st below |
| Core Deposit Ratio | 85.96% | 86.85% | -0.89% | 34th below |
| Wholesale Funding Ratio | 0.22% | 5.04% | -4.82% | 94th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 62.07% | 6.82% | +55.25% | 99th top |
| Loan Growth (Y/Y) | 49.80% | 7.90% | +41.90% | 99th top |
| Deposit Growth (Y/Y) | 59.68% | 6.27% | +53.41% | 99th top |
See High Plains Bank's peers by name
The 2603 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.