High Plains Bank: how it compares with its peers
Against 70 OK banks with half to twice its assets, High Plains Bank's strongest measure in Q2 2026 is assets per employee ($8.3M vs. a $6.4M peer median). Its weakest relative measure is net interest margin (4.01% vs. 4.24%).
| Measure | High Plains Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.66% | 1.44% | Middle third Ahead of 64% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.01% | 4.24% | Middle third Ahead of 37% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 53.30% | 61.19% | Top third Ahead of 74% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.3M | $6.4M | Top third Ahead of 86% of peers |
| Loans to deposits Net loans and leases over total deposits. | 83.75% | 76.11% | Context |
What it means for lending operations
Its efficiency ratio of 53.30% is better than the 61.19% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Bank of Commerce Duncan, OK · $334M
- The First Security Bank Beaver, OK · $335M
- American Bank and Trust Company Tulsa, OK · $324M
- Citizens Bank and Trust Company of Ardmore Ardmore, OK · $319M
- First Bethany Bank & Trust Bethany, OK · $317M
- Patrons Bank, National Association Okmulgee, OK · $314M
Questions about High Plains Bank
How big is High Plains Bank?
High Plains Bank, established in 1930, is headquartered in Okeene, OK. It reported $330M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is High Plains Bank's return on assets?
1.66% annualized in Q2 2026, against a 1.44% median for 70 OK banks with half to twice its assets, ahead of 64% of them.
What is High Plains Bank's efficiency ratio?
53.30% in Q2 2026: it spent about 53 cents in noninterest expense for each dollar of revenue. The peer median is 61.19%, and lower is better.
Is High Plains Bank growing its loans?
Net loans grew 49.8% over the year to Q2 2026, while deposits grew 59.7%.
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 OK 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 Oklahoma bank ranked.