BlastPoint's Banking Scorecard

High Plains Bank

$100M-$1B Specialty: Agricultural OK FDIC cert 418

Okeene, OK

3 branches across OK

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 106 in OK.
Deposits +59.7% year over year ($285.0M on the books).
Delinquency rate 0.98%.
Return on assets 1.66%.
Efficiency ratio 53.30% vs a 64.48% peer average.
Loan-to-deposit ratio 83.75% 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 106 in OK

View $100M-$1B leaderboard (OK) →

High Plains Bank has 2 strengths but faces 2 concerns

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

+ ROA 0.34% above tier average
+ Efficiency Ratio 11.18% below tier average

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 34.8% in tier
- Credit Quality Pressure: Bottom 44.3% in tier

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$330.2M +62.1% YoY +55.9% QoQ	-$56.4M	$386.6M +1.2% YoY	$1.3B +6.0% YoY	$6.3B +7.7% YoY	51%
Total Loans ?	$238.7M +49.8% YoY +37.2% QoQ	-$19.6M	$258.3M +1.7% YoY	$835.5M +7.1% YoY	$3.2B +9.4% YoY	56%
Total Deposits ?	$285.0M +59.7% YoY +52.7% QoQ	-$41.7M	$326.7M +0.7% YoY	$967.8M +5.8% YoY	$4.9B +7.3% YoY	52%
Return on Assets ?	1.66% -21.3% YoY -12.2% QoQ	+0.34%	1.32% +10.8% YoY	1.35% +7.7% YoY	1.30% +12.1% YoY	74%
Net Interest Margin ?	4.01% +6.9% YoY -1.0% QoQ	+0.02%	3.99% +5.0% YoY	4.27% +1.9% YoY	3.95% +4.9% YoY	54%
Efficiency Ratio ?	53.30% +24.4% YoY +0.1% QoQ	-11.18%	64.48% -3.2% YoY	64.81% -3.0% YoY	70.05% +2.5% YoY	76%
Delinquency Rate ?	0.98% +16.6% YoY -14.9% QoQ	+0.06%	0.92% +15.7% YoY	1.78% +23.7% YoY	0.98% +16.3% YoY	29%
Loan-to-Deposit Ratio ?	83.75% -6.2% YoY -10.2% QoQ	+5.80%	77.95% +1.0% YoY	74.14% +1.3% YoY	79.03% +2.3% YoY	41%
Non-Interest-Bearing Deposit Share ?	16.31% +44.5% YoY +28.9% QoQ	-5.72%	22.03% -0.6% YoY	23.91% -1.8% YoY	21.98% -0.6% YoY	29%
Nonperforming Asset Ratio ?	0.71% +6.6% YoY -25.1% QoQ	+0.04%	0.67% +16.4% YoY	1.24% +23.1% YoY	0.69% +15.8% YoY	30%
Tier 1 Capital Ratio ?	10.76% -5.0% YoY +9.4% QoQ	-5.15%	15.91% +1.4% YoY	14.18% -3.9% YoY	17.09% +0.8% YoY	20%
Non-Interest Income / Assets ?	0.10% -17.1% YoY +60.1% QoQ	-0.47%	0.57% +7.6% YoY	0.31% -11.7% YoY	0.66% +5.2% YoY	19%

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 (OK)	National Avg	Tier Percentile
Noninterest-Bearing	16.3% +5.0pp YoY +3.7pp QoQ	-5.8pp	22.1%	23.9%	22.2%	29%
Brokered Deposits	3.6% -1.1pp YoY +0.3pp QoQ	-4.3pp	7.9%	9.7%	8.5%	42%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
C&I	8.5% +0.3pp YoY +1.7pp QoQ	-3.0pp	11.6%	15.7%	12.5%	44%
CRE	34.6%	-5.0pp	39.5%	42.0%	41.4%	42%
1-4 Family	17.9% -1.1pp YoY +5.9pp QoQ	-14.8pp	32.6%	24.0%	31.3%	25%
Consumer	2.6% -0.7pp YoY -0.5pp QoQ	-1.5pp	4.1%	5.6%	5.0%	55%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	17.0%	19.7%	n/a
Leverage Ratio	10.8% -0.6pp YoY +0.9pp QoQ	-1.4pp	12.2%	11.7%	12.6%	46%
Total Capital Ratio	n/a	n/a	19.9%	18.2%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Full-Time Employees	40 +16 (+66.7%) YoY +14 (+53.8%) QoQ	-19	58	150	482	41%
Assets per Employee ($)	$8.3M -2.8% YoY +1.4% QoQ	+$737K	$7.5M	$6.5M	$8.8M	71%
Branch Count	3 0 YoY 0 QoQ	-2	4	8	18	26%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% -0.2pp YoY -0.4pp QoQ	-0.2pp	0.3%	0.9%	0.4%	56%
Nonaccrual	0.9% +0.3pp YoY +0.2pp QoQ	-0.1pp	0.9%	1.5%	1.0%	68%
Allowance Coverage	1.06x -12.8% YoY +23.8% QoQ	-23.09x	24.15x	61.99x	20.23x	28%
Net Charge-off Rate (YTD)	0.1% +0.3pp YoY +0.1pp QoQ	-0.1pp	0.1%	0.2%	0.2%	74%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
ROE	13.8% -4.4pp YoY -4.0pp QoQ	+1.6pp	12.2%	11.9%	11.6%	61%
Cost of Funds (YTD)	2.5% -0.3pp YoY -0.4pp QoQ	+0.8pp	1.7%	1.8%	1.7%	90%
Net Income ($, YTD)	$2.8M +38.7% YoY — QoQ	+$294K	$2.6M	$8.7M	$40.4M	68%

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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 (0)

No matched strength signatures this quarter

Concerns (2)

Cost Spiral

risk

#49 of 138 • Bottom 34.8% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 53.30%

(Tier: 64.48%, National: 70.05%)

better than tier avg

138 of 138 Community banks match · 184 nationally

→ Stable +9 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk

#557 of 1256 • Bottom 44.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.98%

(Tier: 0.92%, National: 0.98%)

worse than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank improving

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 (1 metrics)

638

Efficiency Ratio

profitability

Value: 53.30%

Peer Median: 64.48%

#638 of 2643 Top 24.1% in $100M-$1B

Top Weaknesses (2 metrics)

2154

Non-Interest Income / Assets

revenue_mix

Value: 0.10%

Peer Median: 0.57%

#2154 of 2643 Bottom 18.5% in $100M-$1B

2119

Tier 1 Capital Ratio

capital

Value: 10.76%

Peer Median: 15.91%

#2119 of 2643 Bottom 19.9% in $100M-$1B