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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