# HIGH PLAINS BANK
FLAGLER, CO · FDIC certificate 3017 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $643.1M | |
| Deposits | $567.0M | |
| Loans and leases | $462.8M | |
| Total equity | $65.1M | |
| Loans / deposits | 80.73% (p47 of band) | 82.04% |
| Liquid assets / assets | 23.03% (p44 of band) | |
| Uninsured deposits / deposits | 16.39% (p17 of band) | 25.97% |
| Brokered deposits | 3.12% | |
| Wholesale funding | 4.48% (p55 of band) | |
| FHLB advances / assets | 1.36% | |
| Tier 1 leverage | 9.60% (p25 of band) | 10.81% |
| Unrealized securities loss / equity | -0.37% (p92 of band) | -8.10% |
| AOCI / equity | -0.48% (p43 of band) | |
| ROA (annualized) | 2.22% (p91 of band) | 1.28% |
| Net interest margin | 4.72% (p88 of band) | 3.91% |
| Efficiency ratio | 69.03% (p71 of band) | |
| Noncurrent loans | 0.70% (p63 of band) | 0.43% |
| Net charge-offs (annualized) | 0.02% (p67 of band) | |
| Reserve coverage of noncurrent | 154.70% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 54.78% (p60 of band) | |
| Auto loans | $1.3M (0.29% of loans; DQ 1.82%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 50.9% | |
| Employees | 116 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 2 |  | charge-offs p90 |
| 2011-09 | 2 | charge-offs p90 | noncurrent p90 |
| 2011-12 | 2 |  |  |
| 2012-03 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2012-06 | 1 | capital falling |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | capital falling |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | construction >100% equity |  |
| 2015-06 | 2 | capital falling |  |
| 2015-09 | 1 |  | capital falling |
| 2015-12 | 0 |  | construction >100% equity |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 2 | capital falling, construction >100% equity |  |
| 2016-12 | 0 |  | capital falling, construction >100% equity |
| 2017-03 | 1 | uninsured deposits leaving |  |
| 2017-06 | 0 |  | uninsured deposits leaving |
| 2017-09 | 1 | capital falling |  |
| 2017-12 | 0 |  | capital falling |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | construction >100% equity |  |
| 2023-03 | 2 | capital falling |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | uninsured deposits leaving |  |
| 2023-12 | 2 |  | capital falling |
| 2024-03 | 2 |  |  |
| 2024-06 | 1 |  | construction >100% equity |
| 2024-09 | 0 |  | uninsured deposits leaving |
| 2024-12 | 1 | capital falling |  |
| 2025-03 | 4 | noncurrent p90, reserve under noncurrent, construction >100% equity |  |
| 2025-06 | 4 |  |  |
| 2025-09 | 4 |  |  |
| 2025-12 | 1 |  | capital falling, noncurrent p90, reserve under noncurrent |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 | capital falling | construction >100% equity |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-14 [High Plains Bank acquires Hugo-based bank - BizWest](https://news.google.com/rss/articles/CBMifkFVX3lxTE82RDJOOHVUT2QybUhDVmlfbllRM3Z4cTVmaE5hbDBLWjY5RlNQNDU3ckJRbkhaMzZ6MFc3MGNmeUdncG1LbF9qZWQ2OXdLXzVIVFdGb1dLdmtveTlTeWhqNnFpZzlHWGVrQ2lKNXZKc3BqOTF3UDgzMmJaSXEtUQ?oc=5) · BizWest
- 2022-12-12 [High Plains Bank acquires downtown Longmont building, changes exec team - Daily Camera](https://news.google.com/rss/articles/CBMirwFBVV95cUxOOEZKT2Rfb05XNkc4WGFIWEpZXzRYZ3c1THI4Q3F4LU42X2dkWUZDMWVjX3JBSFM0SV9EM0ZvOFgxYXljS0puX3lZVDFiYUljOWdxSTNtV1NucXFwNUU1WUkwbUo4RVBOR1BqWXlrRkVPZ3k2UnNfYmduMlk0eWNjTVUtUk1IMjFTcjN2dXBGY3Zocy1kT2hzQndySS13NUJnRlEtNHpaWnlDNmZmZnVZ?oc=5) · Daily Camera
- 2026-06-15 [Wings Credit Union opens first Boulder County branch - BizWest](https://news.google.com/rss/articles/CBMijAFBVV95cUxONk1SdjV5QXVqUm8tWC0taDFfMWJpb3AyQVVDVHpKQ0ZZVHQtMnM5YWIyc2huMW5mcHhTTGQwRUZQa2hPNzNycW1tX3hGb1RwMnR3eHplYXpLV1Y4d0NQQ1hRLUFQNmtpUGhIOXV3dm9uVXMtRHBCMVVRMXl1cU5oUzNZV0FMeG03aS1XVw?oc=5) · BizWest
- 2021-11-09 [High Plains Bank breaks ground for new building in Wiggins - The Fort Morgan Times](https://news.google.com/rss/articles/CBMipAFBVV95cUxPeXBJWExKLTJDZi1XWUJYMVVwTGt3TDctMk5JZTM1OVFwUF9jaF9MRm5wVk0zTTY0RzItcldxeVJZZFVHd2hVV2xfQ0VPNlkzMkZ1NG0wSDhVX3NrWml6eFI0YmNMaTBUczVtQ1p2c3o5MU83a3E1QmoyOHJVSTdpbndjSWZvVms4eVF5Ykk4Z3h2SjBRNGIxQVVUd0ZvWDMyVnZwVg?oc=5) · The Fort Morgan Times
- 2025-11-26 [Golden hotel up for auction after bankruptcy filing - The Denver Post](https://news.google.com/rss/articles/CBMigAFBVV95cUxNcEhnYXMwdWFqMDVSUjVLLUZJN2pYRU8tTEFJaXVNelhJVkFZMktBWnFkU01lRWljdW0tOEE2TkxNUEZWS2VwNVljbW1RSllJYmhEeE9TNGU0b3BfV0RTVVVfOVVIVjBEeVpUY1E3X1RxdDNZc0Z0UFhQS2xlcERCaw?oc=5) · The Denver Post
- 2013-03-08 [Longmont’s Creighton brings family- and employee-owned bank to Longmont - Longmont Times-Call](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNZzlndGRtRDZsMmdkc0QydjNVa2ZsbUJsZ21vN29zSTB4R3A2M1dzY2hPd0ZUOUl6elhFUW9HNVVqYkJlWTVSNjc2aGdEN1oxSG45NXAwZzN6TURCMl9NR05kNHhpNEdseGQ2blk5YW5MZkRhMkxQdU5ZdW9QdUNrcHFucUFSLVU4cjc0R3lla040Um4td0cwb21Cdk1fOTRZbF9VUk84YUw4eE0?oc=5) · Longmont Times-Call
- 2024-01-30 [Jack Henry Unveils Banno Business to Help Regional FIs Bring Banking Innovations to SMEs - Finovate](https://news.google.com/rss/articles/CBMirwFBVV95cUxPWWlXY0FuV3Z4d21GRUdHMXF6MWhlYm10aE9xOUVnSmZLeER0NUpnQ0dEWFRtdWhLdllHVGtuRDFxZ0Q4U3ZiM0FJWWxmS3dxWnlnTW1HTDJrdlBFTmh6UE5qaEstekNONk91aUI3alh3Wm91NFVqeVFra0FDWDZ0bDBaeVpNUXRJNTUzemdTcENDNE9mQ1k2ZmVaMDJ6d0ZwT3ozTXJiMUhQejBfS0pn?oc=5) · Finovate
- 2024-07-22 [These are Denver's strongest banks - The Business Journals](https://news.google.com/rss/articles/CBMijAFBVV95cUxQUVBWTFV1OVNVWHByd1BaVjdXV1RadFR1RlVLUWQxdHJmMndFZVN2eXpZSzFWRzdGOEhOZlNrWnZkZ2pWenFBWDMyMUcxdXlOTnBBU25FT3hHMzJNNFg5ZU1BaTlRaXloeHZrbGJNaEduOHl4ejh2NUwyLWtMSnJKbDdTVmZIUXJLcG84Wg?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3017 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/9.json (key "3017", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide