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High Plains Bank

Okeene, OK · Cert 418 · HPB Holdings Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in OK3

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 in OK (n=88 to 89). 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

34

Q2 2024Q2 2026peer median (50)

Asset Quality

44

Q2 2024Q2 2026peer median (50)

Profitability

46

Q2 2024Q2 2026peer median (50)

Liquidity

36

Q2 2024Q2 2026peer median

Efficiency

72

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

Okeene, OK · Cert 418 · HPB Holdings Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$330.2MAssets
$241.2MLoans
$285.0MDeposits
$41.9MEquity
Loan mix
84%RE $90.9M11%C&I $11.8M5%Consumer $5.3MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $238.5M16%Noninterest $46.5MQ2 2025Q2 2026

NIM

6.16%Q2 ’246.04%Q2 ’255.90%Q2 ’26+1%+6%

Non-interest income vs. expense

1.70%Q2 ’241.58%Q2 ’252.12%Q2 ’26-1%+45%

Executive Summary

  • Earnings: ROA of 1.78%, up 12 bps year over year; NIM at 3.68%.
  • Asset quality: problem loans at 0.97% of loans (+14 bps YoY), with net charge-offs at 0.09%.
  • Capital: tier 1 leverage ratio of 10.76%, down 56 bps from a year ago.
  • Funding: loans stand at 84.63% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.78%+12 bps YoY

Net Interest Margin (YTD, annualized)

3.68%+22 bps YoY

Efficiency Ratio (YTD, annualized)

53.30%+1,047 bps YoY

Tier 1 Leverage Ratio

10.76%-56 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.66%1.61%1.34%1.49%1.78%+12 bps
Return on Equity14.29%14.01%11.84%13.97%15.43%+114 bps
Net Interest Margin3.46%3.50%3.51%3.62%3.68%+22 bps
Efficiency Ratio42.83%45.95%55.98%53.25%53.30%+1,047 bps
Non-Interest Burden1.33%1.46%1.84%1.81%1.93%+60 bps
Growth
Asset Growth (YoY)16.66%14.61%14.31%8.20%62.07%+4,541 bps
Loan Growth (YoY)18.54%31.68%12.31%11.87%49.80%+3,126 bps
Deposit Growth (YoY)18.75%16.30%16.27%9.21%59.68%+4,093 bps
Asset Quality
Nonperforming Loans / Loans0.83%0.64%1.21%1.14%0.97%+14 bps
Net Charge-Offs / Loans-0.22%-0.21%-0.16%0.00%0.09%+31 bps
Allowance / Loans1.01%1.00%1.03%0.98%1.03%+2 bps
Allowance Coverage of NPLs1.2x1.6x0.9x0.9x1.1x-0.2x
Capital
Tier 1 Leverage Ratio11.32%11.15%10.31%9.83%10.76%-56 bps
Total Risk-Based Capital11.32%11.15%10.31%9.83%10.76%-56 bps
Equity / Assets11.31%11.13%10.56%10.73%12.70%+139 bps
Liquidity & Funding
Loans / Deposits90.21%93.39%88.89%94.15%84.63%-559 bps
Liquid Assets / Assets11.59%8.85%12.65%8.04%18.02%+642 bps
CRE / Total Capitaln/a307%241%247%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

Okeene, OK · Cert 418 · Peer group: banks under $1B in assets in OK (n=88-89) · HPB Holdings Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$330.2MAssets
$241.2MLoans
$285.0MDeposits
$41.9MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 72% of banks under $1B in assets in OK (rank 26 of 89).
  • Widest gap: total risk-based capital ratio trails 83% of banks under $1B in assets in OK (rank 74 of 89).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.35%

Rank 37 of 89

Net Interest Margin

3.68%

Rank 58 of 89

Efficiency Ratio

55.52%

Rank 26 of 89

Equity / Assets

12.70%

Rank 30 of 89

Non-interest income vs. expense

$0.7M$7.4MINCOMEEXPENSE
Unfavorable gap of $6.8M · efficiency ratio beats 72% of banks under $1B in assets in OK
Bank 55.52%Peer median 61.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.35%0.85%1.26%1.60%Beats 58%37 / 89
Return on Equity10.67%7.40%11.89%14.65%Beats 45%49 / 89
Net Interest Margin3.68%3.46%3.93%4.45%Beats 35%58 / 89
Efficiency Ratio55.52%54.70%60.95%71.14%Beats 72%26 / 89
Asset Quality
Nonperforming Loans / Loans0.97%0.30%0.82%2.25%Beats 47%48 / 88
Net Charge-Offs / Loans0.05%0.00%0.03%0.20%Beats 41%53 / 88
Capital
Tier 1 Capital Ratio10.76%10.89%13.00%16.33%Beats 19%72 / 89
Total Risk-Based Capital Ratio10.76%11.20%13.06%16.33%Beats 17%74 / 89
Equity / Assets12.70%9.26%10.94%13.52%Beats 66%30 / 89
Liquidity & Funding
Loans / Deposits84.63%61.51%72.27%84.01%77th pctl20 / 88
Loans / Assets73.04%52.51%63.15%71.27%79th pctl19 / 89
Brokered Deposits / Depositsn/aNot reported for this institution