High Plains Bank: how it compares with its peers
Against 24 CO banks with half to twice its assets, High Plains Bank's strongest measure in Q2 2026 is return on assets (2.22% vs. a 1.37% peer median). Its weakest relative measure is assets per employee ($5.5M vs. $7.3M).
| Measure | High Plains Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.22% | 1.37% | Top third Ahead of 83% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.72% | 4.40% | Top third Ahead of 71% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 69.03% | 63.94% | Bottom third Ahead of 29% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.5M | $7.3M | Bottom third Ahead of 17% of peers |
| Loans to deposits Net loans and leases over total deposits. | 80.73% | 87.36% | Context |
What it means for lending operations
Its efficiency ratio of 69.03% is above the 63.94% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Stockmens Bank Colorado Springs, CO · $651M
- First National Bank Colorado Las Animas, CO · $634M
- First Southwest Bank Durango, CO · $657M
- Yampa Valley Bank Steamboat Springs, CO · $688M
- The Eastern Colorado Bank Cheyenne Wells, CO · $721M
- AMG National Trust Bank Boulder, CO · $723M
Questions about High Plains Bank
How big is High Plains Bank?
High Plains Bank, established in 1908, is headquartered in Flagler, CO. It reported $643M in total assets in its Q2 2026 FDIC call report and operates 9 offices.
What is High Plains Bank's return on assets?
2.22% annualized in Q2 2026, against a 1.37% median for 24 CO banks with half to twice its assets, ahead of 83% of them.
What is High Plains Bank's efficiency ratio?
69.03% in Q2 2026: it spent about 69 cents in noninterest expense for each dollar of revenue. The peer median is 63.94%, and lower is better.
Is High Plains Bank growing its loans?
Net loans grew 27.4% over the year to Q2 2026, while deposits grew 50.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are CO banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Colorado bank ranked.