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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 ’246.33%Q2 ’257.89%Q2 ’26+9%+37%

Non-interest income vs. expense

1.72%Q2 ’241.63%Q2 ’252.94%Q2 ’26-4%+99%

Executive Summary

  • Earnings: ROA of 2.14%, up 42 bps year over year; NIM at 5.04%.
  • Asset quality: problem loans at 0.97% of loans (+14 bps YoY), with net charge-offs at 0.18%.
  • 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 (quarter, annualized)

2.14%+42 bps YoY

Net Interest Margin (quarter, annualized)

5.04%+137 bps YoY

Efficiency Ratio (quarter, annualized)

53.32%+1,179 bps YoY

Tier 1 Leverage Ratio

10.76%-56 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.73%1.51%0.54%1.49%2.14%+42 bps
Return on Equity15.10%13.48%4.95%13.97%17.95%+285 bps
Net Interest Margin3.68%3.78%3.77%3.62%5.04%+137 bps
Efficiency Ratio41.53%51.50%83.03%53.25%53.32%+1,179 bps
Non-Interest Burden1.36%1.81%3.06%1.81%2.72%+135 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-0.45%-0.22%0.02%0.00%0.18%+62 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