High Plains Bank
Okeene, OK · Cert 418 · Peer group: banks under $1B in assets in OK (n=87-88) · 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 88).
- Widest gap: total risk-based capital ratio trails 83% of banks under $1B in assets in OK (rank 73 of 88).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.35%
Rank 36 of 88
Net Interest Margin
3.68%
Rank 58 of 88
Efficiency Ratio
55.52%
Rank 26 of 88
Equity / Assets
12.70%
Rank 30 of 88
Non-interest income vs. expense
Unfavorable gap of $6.8M · efficiency ratio beats 72% of banks under $1B in assets in OK | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.35% | 0.85% | 1.26% | 1.62% | Beats 59% | 36 / 88 | |
| Return on Equity | 10.67% | 7.40% | 11.89% | 14.66% | Beats 45% | 48 / 88 | |
| Net Interest Margin | 3.68% | 3.51% | 3.93% | 4.47% | Beats 34% | 58 / 88 | |
| Efficiency Ratio | 55.52% | 54.70% | 61.50% | 71.28% | Beats 72% | 26 / 88 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.97% | 0.30% | 0.82% | 2.25% | Beats 47% | 47 / 87 | |
| Net Charge-Offs / Loans | 0.05% | 0.00% | 0.03% | 0.20% | Beats 41% | 52 / 87 | |
| Capital |
| Tier 1 Capital Ratio | 10.76% | 10.89% | 13.04% | 16.40% | Beats 19% | 71 / 88 | |
| Total Risk-Based Capital Ratio | 10.76% | 11.20% | 13.09% | 16.43% | Beats 17% | 73 / 88 | |
| Equity / Assets | 12.70% | 9.26% | 10.95% | 13.63% | Beats 66% | 30 / 88 | |
| Liquidity & Funding |
| Loans / Deposits | 84.63% | 60.39% | 72.27% | 84.01% | 77th pctl | 20 / 87 | |
| Loans / Assets | 73.04% | 52.51% | 63.37% | 71.46% | 78th pctl | 19 / 88 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |