# HIGH PLAINS BANK
OKEENE, OK · FDIC certificate 418 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $330.2M | |
| Deposits | $285.0M | |
| Loans and leases | $241.2M | |
| Total equity | $41.9M | |
| Loans / deposits | 83.75% (p55 of band) | 82.04% |
| Liquid assets / assets | 21.26% (p36 of band) | |
| Uninsured deposits / deposits | 20.61% (p31 of band) | 25.97% |
| Brokered deposits | 3.11% | |
| Wholesale funding | 3.33% (p49 of band) | |
| FHLB advances / assets | 0.22% | |
| Tier 1 leverage | 10.76% (p49 of band) | 10.81% |
| Unrealized securities loss / equity | -0.72% (p88 of band) | -8.10% |
| AOCI / equity | 0.07% (p83 of band) | |
| ROA (annualized) | 1.66% (p73 of band) | 1.28% |
| Net interest margin | 4.01% (p55 of band) | 3.91% |
| Efficiency ratio | 53.30% (p26 of band) | |
| Noncurrent loans | 0.97% (p72 of band) | 0.43% |
| Net charge-offs (annualized) | 0.06% (p79 of band) | |
| Reserve coverage of noncurrent | 106.01% | |
| Real estate % of loans | 63% | |
| Construction % of loans | 20.60% (p26 of band) | |
| Auto loans | $1.8M (0.76% of loans; DQ 0.00%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 59.7% | |
| Employees | 40 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 1 | capital falling | reserve under noncurrent |
| 2011-12 | 1 | liquid assets <10% | capital falling |
| 2012-03 | 0 |  | liquid assets <10% |
| 2012-06 | 1 | liquid assets <10% |  |
| 2012-09 | 2 | reserve under noncurrent |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 1 |  | liquid assets <10% |
| 2013-09 | 3 | loans exceed deposits, liquid assets <10% |  |
| 2013-12 | 2 |  | loans exceed deposits |
| 2014-03 | 1 |  | liquid assets <10% |
| 2014-06 | 2 | liquid assets <10% |  |
| 2014-09 | 2 | capital falling | liquid assets <10% |
| 2014-12 | 2 |  |  |
| 2015-03 | 1 |  | capital falling |
| 2015-06 | 0 |  | reserve under noncurrent |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | uninsured deposits leaving |  |
| 2018-09 | 3 | charge-offs p90, reserve under noncurrent |  |
| 2018-12 | 3 | capital falling | reserve under noncurrent |
| 2019-03 | 2 | reserve under noncurrent | uninsured deposits leaving, charge-offs p90 |
| 2019-06 | 0 |  | capital falling, reserve under noncurrent |
| 2019-09 | 1 | charge-offs p90 |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | reserve under noncurrent |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 3 | deposits shrinking |  |
| 2020-12 | 1 |  | reserve under noncurrent, deposits shrinking |
| 2021-03 | 1 | reserve under noncurrent | charge-offs p90 |
| 2021-06 | 1 | charge-offs p90 | reserve under noncurrent |
| 2021-09 | 2 | capital falling |  |
| 2021-12 | 1 | reserve under noncurrent | charge-offs p90, capital falling |
| 2022-03 | 1 |  |  |
| 2022-06 | 0 |  | reserve under noncurrent |
| 2022-09 | 1 | charge-offs p90 |  |
| 2022-12 | 2 | capital falling |  |
| 2023-03 | 1 |  | charge-offs p90 |
| 2023-06 | 0 |  | capital falling |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2024-09 | 1 |  | deposits shrinking, assets shrinking |
| 2024-12 | 0 |  | uninsured deposits leaving |
| 2025-03 | 1 | capital falling |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | reserve under noncurrent |  |
| 2026-03 | 2 |  |  |
| 2026-06 | 0 |  | capital falling, reserve under noncurrent |

## 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
- 2026-06-15 [Wings Credit Union opens first Boulder County branch - BizWest](https://news.google.com/rss/articles/CBMijAFBVV95cUxONk1SdjV5QXVqUm8tWC0taDFfMWJpb3AyQVVDVHpKQ0ZZVHQtMnM5YWIyc2huMW5mcHhTTGQwRUZQa2hPNzNycW1tX3hGb1RwMnR3eHplYXpLV1Y4d0NQQ1hRLUFQNmtpUGhIOXV3dm9uVXMtRHBCMVVRMXl1cU5oUzNZV0FMeG03aS1XVw?oc=5) · BizWest
- 2019-06-25 [Tuttle Bancshares to acquire Advantage Bank - journalrecord.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPLW45Xy1zYmZLdWF2Q1ZSX2I2TE1iODcxOS1vTzloRXVZX2k2WVhPMGx5VHhFVWZDdXVaRVNmSHQ4LTFKQThzcHVGUVJaNDNrb0NRRE90RzV0d0RDR1RudVRsQ0tDQnhsUUVzc2EzeHV2bkxidnU1d2J6andlYk9RbE9reGhmdjVX?oc=5) · journalrecord.com
- 2024-06-09 [Janice Bentley Obituary - Lamar, CO (1946-2016) - Lamar Ledger](https://news.google.com/rss/articles/CBMicEFVX3lxTE9aaG5vcVRFdy1fV3phYV82ME5mb3FyNlZOc0xacXl4ZUU2Y0VkNnVCWHJLbGJQSkIzZjBIeUZjMDYtTXY2UWxMWTl1bkdIZ0tLN0ZwSTVpQTgxRThrSl9UYTIyM3RDNWROY3FVR0lrU1M?oc=5) · Lamar Ledger
- 2020-07-08 [Sierra Nevada, Bell’s, Deschutes and More: Breweries and Wholesalers That Received Between $1 Million and $10 Million in Paycheck Protection Program Funding - Brewbound](https://news.google.com/rss/articles/CBMijwJBVV95cUxOdmFqRDZVSFh2NGt3TGUtQ1VYTzMtMlVUaFEwbjA0Y1dIa0dXVlUxMHNVMkZBdHdKZ0tFLW40Z2ZzSjRRRTFyV0JiM2ExZ3VHQWQwTGJkNEJUZG5YQTl1T0tySG84ZTFvMm14aWRoZ0REa2wxbF9IRW1tRmI5dTdzSWZFREg5WjE1aVNfbWUxZGRKX2JpWUc0Ny1kMVVUVWRCZEJaN1VfQ09Uc1JaUkdaT2YwTGtzbDk0dk1oMFVCWnMtMnlCOEFyQVdCWldoMlp6SF8zQWRVdGxUT1otaS1ic3pkWEpiOWI5QWdsNnJxdExzdmRyNFNsV3BzbEhlSFZ4LTRXOUN4N244TWdLMjhn?oc=5) · Brewbound
- 2018-01-09 [Enid’s Humphrey Abstract sold to Bailey Hans - journalrecord.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQWXVNMFYzZmxWZFdKa0Jtd0c1emlZYVFSTWcyeTFGSXFtNEl0bUFrdFEtUGdIR1Z4N0s1eE1VVkQyZjFkR0g0ay0zRHdNNzFUSHFxazIzbTBaOXZNa1diaEdpcGVjVnJ2cklvc1I3TF9LaG0yZm1VZ2V2bkZJQlJvTWs4VF81ZTZX?oc=5) · journalrecord.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=418 (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/34.json (key "418", 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.

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