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 | |