BlastPoint's Banking Scorecard
High Plains Bank
Okeene, OK
4 branches across OK
High Plains Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.62% above tier average
- + Net Interest Margin 0.12% above tier average
- + Efficiency Ratio 12.04% below tier average
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 31.8% in tier
- - Delinquency Rate 0.27% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$211.7M
+8.2% YoY
+0.0% QoQ
|
-$174.3M |
$386.1M
+0.5% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
30% |
| Total Loans ? |
$174.0M
+11.8% YoY
+5.8% QoQ
|
-$81.8M |
$255.7M
+1.1% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
42% |
| Total Deposits ? |
$186.6M
+9.2% YoY
-0.2% QoQ
|
-$141.4M |
$328.0M
+0.1% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
31% |
| Return on Assets ? |
1.89%
-6.0% YoY
+11.7% QoQ
|
+0.62% |
1.27%
+12.9% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
84% |
| Net Interest Margin ? |
4.05%
+12.3% YoY
+4.7% QoQ
|
+0.12% |
3.93%
+6.0% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
60% |
| Efficiency Ratio ? |
53.25%
+20.2% YoY
-4.9% QoQ
|
-12.04% |
65.29%
-4.5% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
78% |
| Delinquency Rate ? |
1.15%
+61.8% YoY
-5.3% QoQ
|
+0.27% |
0.89%
+18.8% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
25% |
| Loan-to-Deposit Ratio ? |
93.22%
+2.4% YoY
+6.0% QoQ
|
+16.59% |
76.64%
+0.8% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
18% |
| Non-Interest-Bearing Deposit Share ? |
12.66%
+14.8% YoY
-15.5% QoQ
|
-9.36% |
22.02%
-1.0% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
16% |
| Nonperforming Asset Ratio ? |
0.95%
+64.9% YoY
+0.1% QoQ
|
+0.31% |
0.64%
+19.7% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
21% |
| Tier 1 Capital Ratio ? |
9.83%
-15.1% YoY
-4.6% QoQ
|
-6.00% |
15.83%
+1.5% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
Bottom 7.7% in tier |
| Non-Interest Income / Assets ? |
0.06%
+5.1% YoY
-75.6% QoQ
|
-0.22% |
0.28%
+9.3% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
28% |
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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 (1)
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.