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
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.35% | 0.85% | 1.26% | 1.60% | Beats 58% | 37 / 89 | | |
| Return on Equity | 10.67% | 7.40% | 11.89% | 14.65% | Beats 45% | 49 / 89 | | |
| Net Interest Margin | 3.68% | 3.46% | 3.93% | 4.45% | Beats 35% | 58 / 89 | | |
| Efficiency Ratio | 55.52% | 54.70% | 60.95% | 71.14% | Beats 72% | 26 / 89 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.97% | 0.30% | 0.82% | 2.25% | Beats 47% | 48 / 88 | | |
| Net Charge-Offs / Loans | 0.05% | 0.00% | 0.03% | 0.20% | Beats 41% | 53 / 88 | | |
| Capital |
| Tier 1 Capital Ratio | 10.76% | 10.89% | 13.00% | 16.33% | Beats 19% | 72 / 89 | | |
| Total Risk-Based Capital Ratio | 10.76% | 11.20% | 13.06% | 16.33% | Beats 17% | 74 / 89 | | |
| Equity / Assets | 12.70% | 9.26% | 10.94% | 13.52% | Beats 66% | 30 / 89 | | |
| Liquidity & Funding |
| Loans / Deposits | 84.63% | 61.51% | 72.27% | 84.01% | 77th pctl | 20 / 88 | | |
| Loans / Assets | 73.04% | 52.51% | 63.15% | 71.27% | 79th pctl | 19 / 89 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |