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
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.
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.
Capital
18
Asset Quality
42
Profitability
68
Liquidity
84
Efficiency
39
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.
Flagler, CO · Cert 3017 · High Plains Banking Group Inc.
State charter, Fed member · FED · 9 branches
Q2 2026
Market Position · Boulder, CO · 2026 SOD (annual) · 1.3% share · #15 of 32 inst. · $0.1B of $11.6B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.01% | 1.02% | 0.82% | 0.93% | 0.99% | 1.04% | 1.01% | 1.74% | +82 bps | |
| Return on Equity | 9.79% | 9.87% | 8.07% | 9.25% | 10.05% | 10.51% | 10.46% | 17.72% | +847 bps | |
| Net Interest Margin | 4.26% | 4.17% | 4.22% | 4.31% | 4.30% | 4.31% | 4.49% | 3.78% | -53 bps | |
| Efficiency Ratio | 70.56% | 71.59% | 72.54% | 71.20% | 70.71% | 71.12% | 71.84% | 69.03% | -217 bps | |
| Non-Interest Burden | 2.83% | 2.82% | 2.89% | 2.90% | 2.87% | 2.89% | 3.03% | 2.44% | -45 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.35% | 6.75% | 6.42% | 10.48% | 10.94% | 7.46% | 11.10% | 50.04% | +3,955 bps | |
| Loan Growth (YoY) | 5.96% | 10.60% | 12.88% | 15.17% | 15.60% | 11.55% | 12.22% | 27.30% | +1,212 bps | |
| Deposit Growth (YoY) | 7.55% | 13.33% | 10.58% | 12.08% | 13.52% | 9.27% | 12.34% | 50.93% | +3,886 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.20% | 0.23% | 2.20% | 2.08% | 2.31% | 0.36% | 0.39% | 0.70% | -137 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.09% | -0.01% | 0.01% | 0.00% | 0.02% | 0.05% | 0.03% | +2 bps | |
| Allowance / Loans | 1.23% | 1.08% | 1.12% | 1.14% | 1.13% | 1.11% | 1.10% | 1.09% | -5 bps | |
| Allowance Coverage of NPLs | 6.2x | 4.7x | 0.5x | 0.5x | 0.5x | 3.1x | 2.8x | 1.5x | +1.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.52% | 10.40% | 10.12% | 9.86% | 9.71% | 9.81% | 9.70% | 9.60% | -26 bps | |
| Total Risk-Based Capital | 10.52% | 10.40% | 10.12% | 9.86% | 9.71% | 9.81% | 9.70% | 9.60% | -26 bps | |
| Equity / Assets | 10.36% | 10.35% | 9.99% | 9.73% | 9.46% | 9.84% | 9.42% | 10.12% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.27% | 95.67% | 97.30% | 96.77% | 95.99% | 97.67% | 97.19% | 81.62% | -1,515 bps | |
| Liquid Assets / Assets | 5.55% | 5.15% | 3.63% | 3.60% | 5.06% | 4.79% | 5.34% | 8.10% | +450 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 433% | 425% | 461% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.40% | 0.72% | 1.06% | 1.45% | Beats 72% | 210 / 746 | ||
| Return on Equity | 13.79% | 6.74% | 10.51% | 13.63% | Beats 76% | 180 / 746 | ||
| Net Interest Margin | 3.78% | 3.17% | 3.68% | 4.16% | Beats 55% | 339 / 746 | ||
| Efficiency Ratio | 69.58% | 55.74% | 64.58% | 75.47% | Beats 39% | 459 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.70% | 0.09% | 0.42% | 1.07% | Beats 37% | 467 / 743 | ||
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 46% | 403 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.60% | 11.55% | 13.75% | 17.60% | Beats 4% | 719 / 746 | ||
| Total Risk-Based Capital Ratio | 9.60% | 11.71% | 14.33% | 18.43% | Beats 4% | 719 / 746 | ||
| Equity / Assets | 10.12% | 8.90% | 10.51% | 13.06% | Beats 45% | 410 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 81.62% | 61.31% | 78.27% | 90.78% | 56th pctl | 326 / 746 | ||
| Loans / Assets | 71.96% | 53.60% | 66.97% | 76.08% | 63rd pctl | 278 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||