← The catalogue
Q2 2026 · read from the 30 June 2026 Call Report · United States · Mountain West · Colorado, the state note

High Plains Bank

Flagler, Colorado · $643M in assets · beside the 11 other Colorado banks between $300M and $1B

The filing

+27.3%
Loans, year over year
1st of 12, largest first
0.70%
NPA / loans
10th of 12
69.6%
Efficiency
10th of 12

High Plains Bank is the seventh largest of the 12 Colorado banks nearest its size between $300M and $1B, with $643M in assets at 30 June 2026. Loans are 81.6% of deposits, 5th of 12 against a median of 86.3%, and equity is 10.1% of assets, 9th of 12. Loans grew +27.3% in the year, the fastest in the cohort, and deposits grew 50.9%; the cohort's median loan growth is +6.5%.

Noncurrent loans are 0.70% of the book, 10th of 12 against a median of 0.19%; 1.54% is 30 to 89 days past due, and the allowance covers them 1.5 times. Commercial real estate is 24.5% of loans, 6th of 12 against a median of 24.7%, and 197% of capital, below the 300% screen, with construction at 62% against the 100% screen.

Return on assets is 1.88%, 5th of 12 against a median of 1.67%, on an efficiency ratio of 69.6%, 10th of 12. Five years ago it was 2.53%. The question is whether the new lending seasons as cleanly as the book it joined, and what funded it.

Nonperforming loans, share of loansCO banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 0.19% EC Eastern Colorado Bank 0.00% FN First National Bank Colorado 0.00% AN Amg National Trust Bank 0.04% FS First Southwest Bank 0.04% YV Yampa Valley Bank 0.09% SB Stockmens Bank 0.18% MV Mountain Valley Bank 0.19% IB Integrity Bank & Trust 0.54% PT PB & Trust Bank 0.54% HP High Plains Bank 0.70% DS Dolores State Bank 1.02% HC High Country Bank 1.34%
Loans, year over yearCO banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +6.5% HP High Plains Bank +27.3% SB Stockmens Bank +23.0% PT PB & Trust Bank +18.9% FN First National Bank Colorado +14.7% DS Dolores State Bank +11.5% FS First Southwest Bank +8.7% YV Yampa Valley Bank +4.3% HC High Country Bank +3.5% MV Mountain Valley Bank +1.6% IB Integrity Bank & Trust +1.4% AN Amg National Trust Bank -0.7% EC Eastern Colorado Bank -5.9%

SBA 7(a), FY2008 to FY2026

High Plains Bank is the 143rd largest 7(a) lender into Colorado of 401, with $7M across 14 loans, 0.1% of everything approved in the state (Wells Fargo Bank National Association leads with $1.20B). 1 of its 3 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Colorado, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Boulder, CO$4M41st of 1440.5%+1.0 pts
Weld, CO$3M48th of 1060.4%thin
Broomfield, CO$874K42nd of 760.6%quiet FY2019
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Other services4$3M45.9%0.01%690th of 2,248
Accommodation & food services6$2M30.2%0.00%1199th of 2,596
Manufacturing2$1M16.9%0.00%1292nd of 2,246
Retail trade2$516K7.0%0.00%1860th of 2,589
7(a) lenders into Colorado, share of approvals since FY2008401 lenders on record; the ten largest and High Plains Bank
WF Wells Fargo Bank National Associa… 9.6% $1.20B · 3,930 loans LO Live Oak Banking Company 7.6% $950M · 765 loans UB U.S. Bank, National Association 4.2% $527M · 3,267 loans HB Hanmi Bank 4.1% $513M · 612 loans SB Southstate Bank, National Associa… 3.3% $415M · 564 loans BB BMO Bank National Association 3.2% $398M · 568 loans Bo Bank of Hope 3.1% $393M · 559 loans KN KeyBank National Association 3.1% $384M · 1,029 loans JC JPMorgan Chase Bank, National Ass… 2.9% $364M · 1,874 loans TH The Huntington National Bank 2.9% $363M · 1,157 loans HP High Plains Bank 0.1% $7M · 14 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 5 CBLR filers, High Plains Bank among them; owner-occupied excluded; bold marks a screen met
High Plains BankRankCohort median
Total CRE against capital, the 300% screen197%9th of 12162%
Construction against capital, the 100% screen62%7th of 1257%
Construction and land development, share of loans7.7%4th of 1210.0%
Non-owner-occupied nonfarm nonresidential, share of loans13.6%8th of 1212.9%
Total CRE, the guidance definition, share of loans24.5%6th of 1224.7%
CRE growth over 36 months, the third prong+45.1%9th of 12+36.4%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
PB & Trust Bank$815M2.3%59.7%0.54%0.00%1.3%85.1%10.7%
Amg National Trust Bank$723M2.4%63.5%0.04%0.00%1.0%46.5%17.1%
Eastern Colorado Bank$721M1.1%67.6%0.00%0.00%1.4%75.4%11.3%
Yampa Valley Bank$688M2.3%49.3%0.09%0.01%1.4%87.5%8.5%
First Southwest Bank$657M0.6%79.9%0.04%0.05%1.3%69.5%13.3%
Stockmens Bank$651M1.5%54.0%0.18%0.00%1.6%98.1%10.6%
High Plains Bank$643M1.9%69.6%0.70%0.03%1.1%81.6%10.1%
First National Bank Colorado$634M2.1%46.7%0.00%0.01%1.7%78.6%10.9%
Mountain Valley Bank$557M0.9%68.2%0.19%0.08%1.1%92.1%10.6%
High Country Bank$528M1.1%71.3%1.34%0.00%1.2%99.0%9.3%
Integrity Bank & Trust$460M0.9%64.8%0.54%0.18%1.2%93.7%8.8%
Dolores State Bank$456M1.8%44.5%1.02%0.01%1.2%93.4%15.0%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
High Plains BankCohort median
20212026Change20212026Change
Loans$217M$463M+114%$262M$432M+65%
Deposits$243M$567M+133%$373M$550M+47%
NPA / loans0.08%0.70%+0.63 pts0.08%0.19%+0.11 pts
Efficiency56.5%69.6%+13.1 pts57.9%64.1%+6.2 pts
ROA2.53%1.88%-0.65 pts1.52%1.67%+0.15 pts

This read was prepared for High Plains Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on High Plains Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort CO banks $300M to $1B
Institution www.highplainsbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
← Back to the catalogue