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: 26.61 percentage points lower than in Q1 2026, at 120.90%. Within Oklahoma, High Plains Bank is 30th of 169 on return on assets, 2.11% as of Q2 2026, above the middle of the field. High Plains Bank's return on assets of 2.11% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.86 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 | 10.76% |
| Equity capital to assets | 12.70% |
| Tangible equity to tangible assets | 11.34% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.85% |
| Non-performing assets ratio | 0.62% |
| Net charge-off ratio | 0.17% |
| Texas ratio | 5.99% |
| Allowance for credit losses to loans | 1.03% |
| Reserve coverage of non-performing loans | 120.90% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.11% |
| Return on equity | 22.87% |
| Net interest margin | 5.12% |
| Efficiency ratio | 53.14% |
| Yield on earning assets | 8.11% |
| Cost of funds | 3.50% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.63% |
| Core deposits to total deposits | 85.96% |
| Brokered deposits to total deposits | 3.60% |
| Deposits to assets | 86.31% |
| Securities to assets | 1.98% |
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 | 11.40% | 3.68% | 3.89% | 0.77% | -0.01% |
| Q4 2023 | 11.82% | 0.06% | 3.74% | 0.65% | 0.33% |
| Q1 2024 | 11.90% | 2.14% | 3.65% | 0.65% | -0.00% |
| Q2 2024 | 12.11% | 1.93% | 3.46% | 0.71% | -0.06% |
| Q3 2024 | 12.41% | 1.79% | 3.65% | 0.72% | -0.01% |
| Q4 2024 | 11.62% | 0.28% | 3.64% | 0.63% | -0.00% |
| Q1 2025 | 11.58% | 2.02% | 3.61% | 0.59% | 0.00% |
| Q2 2025 | 11.32% | 2.21% | 3.88% | 0.52% | -0.45% |
| Q3 2025 | 11.15% | 1.95% | 4.00% | 0.48% | -0.24% |
| Q4 2025 | 10.31% | 0.69% | 4.01% | 0.64% | 0.02% |
| Q1 2026 | 9.83% | 1.80% | 3.83% | 0.66% | -0.00% |
| Q2 2026 | 10.76% | 2.11% | 5.12% | 0.85% | 0.17% |
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 418) · FFIEC NIC profile (RSSD 881852)