BlastPoint's Banking Scorecard

High Plains Bank

$100M-$1B Specialty: Commercial CO FDIC cert 3017

Flagler, CO

9 branches across CO

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 49 in CO.
Deposits +50.9% year over year ($567.0M on the books).
Delinquency rate 0.71%.
Return on assets 2.22%.
Efficiency ratio 69.03% vs a 64.48% peer average.
Loan-to-deposit ratio 80.73% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 49 in CO

View $100M-$1B leaderboard (CO) →

High Plains Bank has 3 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Profitability Leader: Top 6.3% in tier
+ Net Interest Margin 0.73% above tier average
+ Delinquency Rate 0.21% below tier average

Key Concerns

Areas that may need attention

- Efficiency Ratio 4.55% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Total Assets ?	$643.1M +50.0% YoY +39.7% QoQ	+$256.6M	$386.6M +1.2% YoY	$898.3M +8.6% YoY	$6.3B +7.7% YoY	84%
Total Loans ?	$457.7M +27.4% YoY +17.2% QoQ	+$199.4M	$258.3M +1.7% YoY	$631.7M +11.0% YoY	$3.2B +9.4% YoY	85%
Total Deposits ?	$567.0M +50.9% YoY +39.6% QoQ	+$240.3M	$326.7M +0.7% YoY	$762.3M +8.8% YoY	$4.9B +7.3% YoY	Top 14.8% in tier
Return on Assets ?	2.22% +88.4% YoY +73.3% QoQ	+0.90%	1.32% +10.8% YoY	0.96% +10.1% YoY	1.30% +12.1% YoY	Top 8.4% in tier
Net Interest Margin ?	4.72% +1.5% YoY +0.2% QoQ	+0.73%	3.99% +5.0% YoY	4.06% +4.0% YoY	3.95% +4.9% YoY	Top 13.9% in tier
Efficiency Ratio ?	69.03% -3.0% YoY -3.9% QoQ	+4.55%	64.48% -3.2% YoY	73.51% -1.0% YoY	70.05% +2.5% YoY	33%
Delinquency Rate ?	0.71% -66.1% YoY +81.4% QoQ	-0.21%	0.92% +15.7% YoY	0.85% +17.5% YoY	0.98% +16.3% YoY	37%
Loan-to-Deposit Ratio ?	80.73% -15.6% YoY -16.0% QoQ	+2.78%	77.95% +1.0% YoY	78.96% +0.3% YoY	79.03% +2.3% YoY	48%
Non-Interest-Bearing Deposit Share ?	23.17% +3.9% YoY -0.4% QoQ	+1.14%	22.03% -0.6% YoY	23.50% -1.8% YoY	21.98% -0.6% YoY	60%
Nonperforming Asset Ratio ?	0.58% -68.1% YoY +46.9% QoQ	-0.08%	0.67% +16.4% YoY	0.49% -10.9% YoY	0.69% +15.8% YoY	35%
Tier 1 Capital Ratio ?	9.60% -2.6% YoY -1.0% QoQ	-6.31%	15.91% +1.4% YoY	19.30% -20.6% YoY	17.09% +0.8% YoY	Bottom 5.9% in tier
Non-Interest Income / Assets ?	0.24% -19.3% YoY +47.2% QoQ	-0.32%	0.57% +7.6% YoY	0.55% +12.7% YoY	0.66% +5.2% YoY	61%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Noninterest-Bearing	23.2% +0.9pp YoY -0.1pp QoQ	+1.0pp	22.1%	23.5%	22.2%	60%
Brokered Deposits	3.5% -2.9pp YoY -3.4pp QoQ	-4.3pp	7.9%	7.4%	8.5%	42%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
C&I	5.5% -2.6pp YoY -1.1pp QoQ	-6.1pp	11.6%	8.4%	12.5%	23%
CRE	47.5% -1.1pp YoY -3.8pp QoQ	+7.9pp	39.5%	42.8%	41.4%	66%
1-4 Family	23.1% -1.6pp YoY -1.5pp QoQ	-9.5pp	32.6%	33.0%	31.3%	37%
Consumer	0.6% -0.1pp YoY +0.1pp QoQ	-3.5pp	4.1%	3.9%	5.0%	18%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	24.9%	19.7%	n/a
Leverage Ratio	9.6% -0.3pp YoY -0.1pp QoQ	-2.6pp	12.2%	12.5%	12.6%	23%
Total Capital Ratio	n/a	n/a	19.9%	26.1%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Full-Time Employees	116 +27 (+30.3%) YoY +18 (+18.4%) QoQ	+57	58	107	482	91%
Assets per Employee ($)	$5.5M +15.1% YoY +18.0% QoQ	-$2.0M	$7.5M	$7.8M	$8.8M	24%
Branch Count	9 +3 (+50.0%) YoY +3 (+50.0%) QoQ	+4	4	7	18	86%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp QoQ	-0.3pp	0.3%	0.7%	0.4%	19%
Nonaccrual	0.7% -1.4pp YoY +0.3pp QoQ	-0.2pp	0.9%	0.8%	1.0%	62%
Allowance Coverage	1.55x +181.4% YoY -45.4% QoQ	-22.61x	24.15x	12.16x	20.23x	40%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	59%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
ROE	22.6% +10.8pp YoY +9.3pp QoQ	+10.4pp	12.2%	9.7%	11.6%	93%
Cost of Funds (YTD)	2.0% 0.0pp YoY +0.1pp QoQ	+0.3pp	1.7%	1.7%	1.7%	72%
Net Income ($, YTD)	$5.7M +132.1% YoY — QoQ	+$3.2M	$2.6M	$5.4M	$40.4M	91%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth

#43 of 661 • Top 6.3% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.22%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

222

Return on Assets

profitability

Value: 2.22%

Peer Median: 1.32%

#222 of 2643 Top 8.4% in $100M-$1B

369

Net Interest Margin

profitability

Value: 4.72%

Peer Median: 3.99%

#369 of 2643 Top 13.9% in $100M-$1B

391

Total Deposits

size

Value: $567.02M

Peer Median: $326.73M

#391 of 2643 Top 14.8% in $100M-$1B

400

Total Loans

size

Value: $457.75M

Peer Median: $258.35M

#400 of 2643 Top 15.1% in $100M-$1B

431

Total Assets

size

Value: $643.13M

Peer Median: $386.57M

#431 of 2643 Top 16.3% in $100M-$1B

Top Weaknesses (1 metrics)

2489

Tier 1 Capital Ratio

capital

Value: 9.60%

Peer Median: 15.91%

#2489 of 2643 Bottom 5.9% in $100M-$1B