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High Plains Bank

Flagler, CO · Cert 3017 · High Plains Banking Group Inc.

State charter, Fed member · FED · 9 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

18

Q2 2024Q2 2026peer median (50)

Asset Quality

42

Q2 2024Q2 2026peer median (50)

Profitability

68

Q2 2024Q2 2026peer median (50)

Liquidity

84

Q2 2024Q2 2026peer median

Efficiency

39

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

High Plains Bank

Flagler, CO · Cert 3017 · High Plains Banking Group Inc.

State charter, Fed member · FED · 9 branches

Q2 2026

$643.1MAssets
$462.8MLoans
$567.0MDeposits
$65.1MEquity
Loan mix
93%RE $345.8M7%C&I $25.6M1%Consumer $2.0MQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $435.6M23%Noninterest $131.4MQ2 2025Q2 2026

NIM

6.13%Q2 ’246.24%Q2 ’255.33%Q2 ’26+2%-12%

Non-interest income vs. expense

3.46%Q2 ’243.50%Q2 ’252.95%Q2 ’26+1%-16%

Market Position · Boulder, CO · 2026 SOD (annual) · 1.3% share · #15 of 32 inst. · $0.1B of $11.6B

1.3% Boulder
49.2% Lincoln
20.0% Kit Carson
8.8% Morgan

Executive Summary

  • Earnings: ROA of 1.74%, up 82 bps year over year; NIM at 3.78%.
  • Asset quality: problem loans at 0.70% of loans (-137 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 9.60%, down 26 bps from a year ago.
  • Funding: loans stand at 81.62% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.74%+82 bps YoY

Net Interest Margin (YTD, annualized)

3.78%-53 bps YoY

Efficiency Ratio (YTD, annualized)

69.03%-217 bps YoY

Tier 1 Leverage Ratio

9.60%-26 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.93%0.99%1.04%1.01%1.74%+82 bps
Return on Equity9.25%10.05%10.51%10.46%17.72%+847 bps
Net Interest Margin4.31%4.30%4.31%4.49%3.78%-53 bps
Efficiency Ratio71.20%70.71%71.12%71.84%69.03%-217 bps
Non-Interest Burden2.90%2.87%2.89%3.03%2.44%-45 bps
Growth
Asset Growth (YoY)10.48%10.94%7.46%11.10%50.04%+3,955 bps
Loan Growth (YoY)15.17%15.60%11.55%12.22%27.30%+1,212 bps
Deposit Growth (YoY)12.08%13.52%9.27%12.34%50.93%+3,886 bps
Asset Quality
Nonperforming Loans / Loans2.08%2.31%0.36%0.39%0.70%-137 bps
Net Charge-Offs / Loans0.01%0.00%0.02%0.05%0.03%+2 bps
Allowance / Loans1.14%1.13%1.11%1.10%1.09%-5 bps
Allowance Coverage of NPLs0.5x0.5x3.1x2.8x1.5x+1.0x
Capital
Tier 1 Leverage Ratio9.86%9.71%9.81%9.70%9.60%-26 bps
Total Risk-Based Capital9.86%9.71%9.81%9.70%9.60%-26 bps
Equity / Assets9.73%9.46%9.84%9.42%10.12%+39 bps
Liquidity & Funding
Loans / Deposits96.77%95.99%97.67%97.19%81.62%-1,515 bps
Liquid Assets / Assets3.60%5.06%4.79%5.34%8.10%+450 bps
CRE / Total Capitaln/a433%425%461%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

High Plains Bank

Flagler, CO · Cert 3017 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · High Plains Banking Group Inc.

State charter, Fed member · FED · 9 branches

Q2 2026

$643.1MAssets
$462.8MLoans
$567.0MDeposits
$65.1MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 76% of banks under $1B in assets operating in a single state (rank 180 of 746).
  • Widest gap: total risk-based capital ratio trails 96% of banks under $1B in assets operating in a single state (rank 719 of 746).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.40%

Rank 210 of 746

Net Interest Margin

3.78%

Rank 339 of 746

Efficiency Ratio

69.58%

Rank 459 of 746

Equity / Assets

10.12%

Rank 410 of 746

Non-interest income vs. expense

$3.1M$18.0MINCOMEEXPENSE
Unfavorable gap of $14.9M · efficiency ratio beats 39% of banks under $1B in assets operating in a single state
Bank 69.58%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.40%0.72%1.06%1.45%Beats 72%210 / 746
Return on Equity13.79%6.74%10.51%13.63%Beats 76%180 / 746
Net Interest Margin3.78%3.17%3.68%4.16%Beats 55%339 / 746
Efficiency Ratio69.58%55.74%64.58%75.47%Beats 39%459 / 746
Asset Quality
Nonperforming Loans / Loans0.70%0.09%0.42%1.07%Beats 37%467 / 743
Net Charge-Offs / Loans0.01%0.00%0.01%0.05%Beats 46%403 / 743
Capital
Tier 1 Capital Ratio9.60%11.55%13.75%17.60%Beats 4%719 / 746
Total Risk-Based Capital Ratio9.60%11.71%14.33%18.43%Beats 4%719 / 746
Equity / Assets10.12%8.90%10.51%13.06%Beats 45%410 / 746
Liquidity & Funding
Loans / Deposits81.62%61.31%78.27%90.78%56th pctl326 / 746
Loans / Assets71.96%53.60%66.97%76.08%63rd pctl278 / 746
Brokered Deposits / Depositsn/aNot reported for this institution