BlastPoint's Banking Scorecard
High Plains Bank
Flagler, CO
9 branches across CO
High Plains Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.78% above tier average
- + Delinquency Rate 0.49% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Ratio 6.56% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$460.5M
+11.1% YoY
+4.3% QoQ
|
+$74.4M |
$386.1M
+0.5% YoY
|
$1.3B
+9.7% YoY
|
$6.2B
+9.1% YoY
|
68% |
| Total Loans ? |
$390.5M
+12.2% YoY
+4.5% QoQ
|
+$134.8M |
$255.7M
+1.1% YoY
|
$851.2M
+6.5% YoY
|
$3.2B
+10.8% YoY
|
79% |
| Total Deposits ? |
$406.3M
+12.3% YoY
+5.0% QoQ
|
+$78.3M |
$328.0M
+0.1% YoY
|
$1.1B
+5.2% YoY
|
$4.8B
+8.2% YoY
|
70% |
| Return on Assets ? |
1.28%
+22.9% YoY
-2.5% QoQ
|
+0.01% |
1.27%
+12.9% YoY
|
0.93%
+11.9% YoY
|
1.23%
+13.4% YoY
|
55% |
| Net Interest Margin ? |
4.71%
+5.5% YoY
-0.4% QoQ
|
+0.78% |
3.93%
+6.0% YoY
|
3.99%
+5.0% YoY
|
3.89%
+5.7% YoY
|
Top 12.8% in tier |
| Efficiency Ratio ? |
71.84%
-1.0% YoY
+1.0% QoQ
|
+6.56% |
65.29%
-4.5% YoY
|
74.00%
-3.2% YoY
|
66.95%
-4.1% YoY
|
28% |
| Delinquency Rate ? |
0.39%
-82.3% YoY
+6.5% QoQ
|
-0.49% |
0.89%
+18.8% YoY
|
0.67%
-8.3% YoY
|
0.95%
+18.8% YoY
|
51% |
| Loan-to-Deposit Ratio ? |
96.12%
-0.1% YoY
-0.5% QoQ
|
+19.49% |
76.64%
+0.8% YoY
|
78.09%
+0.7% YoY
|
76.70%
+0.9% YoY
|
Bottom 13.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.26%
+6.3% YoY
+2.5% QoQ
|
+1.24% |
22.02%
-1.0% YoY
|
23.93%
-3.2% YoY
|
22.01%
-1.2% YoY
|
60% |
| Nonperforming Asset Ratio ? |
0.40%
-79.5% YoY
+4.8% QoQ
|
-0.24% |
0.64%
+19.7% YoY
|
0.50%
-1.2% YoY
|
0.67%
+19.3% YoY
|
43% |
| Tier 1 Capital Ratio ? |
9.70%
-4.1% YoY
-1.1% QoQ
|
-6.13% |
15.83%
+1.5% YoY
|
21.66%
+2.9% YoY
|
17.06%
+0.8% YoY
|
Bottom 6.4% in tier |
| Non-Interest Income / Assets ? |
0.16%
+7.5% YoY
-72.7% QoQ
|
-0.12% |
0.28%
+9.3% YoY
|
0.26%
+10.8% YoY
|
0.32%
+4.1% YoY
|
78% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.