High Plains Bank
Flagler, Colorado, Kit Carson County
$643M in total assets, the 1,501st largest of 4,309 US banks and 17th of 63 headquartered in Colorado.
- FDIC certificate
- 3017
- Established
- 1908
- Owned by
- High Plains Banking Group Inc
- Primary regulator
- FED
- Website
- www.highplainsbank.com
At a glance
Compared with 48 banks headquartered in Colorado with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $643M | 83% | $318M | |
| Loans | $463M | 90% | $202M | |
| Deposits | $567M | 85% | $277M | |
| Return on assets | 1.83% | 79% | 1.13% | |
| Net interest margin | 4.72% | 77% | 4.11% | |
| Efficiency ratio | 69.0% | 62% | 67.5% | |
| Equity to assets | 10.12% | 40% | 11.01% | |
| Loans to deposits | 82% | 48% | 82% |
Growth
Total assets grew 18.1% a year over the last 5 years and 16.4% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Apr 2026 | The First National Bank of Hugo Hugo, CO | $151M |
Where they operate
9 branches in 7 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Boulder County, CO | $150M | 1.3% | 15 of 32 |
| Lincoln County, CO | $113M | 49.2% | 1 of 4 |
| Kit Carson County, CO | $96M | 20.0% | 2 of 8 |
| Morgan County, CO | $76M | 8.8% | 4 of 8 |
| Adams County, CO | $53M | 0.9% | 17 of 22 |
| Lake County, CO | $40M | 23.1% | 2 of 3 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 5 branches since 2016 (4 to 9, +125.0%). 3 opened, 3 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 4 | |||
| 2021 | Opened Keenesburg and Longmont | 2 | 0 | +2 | 6 |
| 2023 | Closed Longmont | 0 | 1 | −1 | 5 |
| 2024 | Opened Longmont | 1 | 0 | +1 | 6 |
| 2026 through Q2 | Acquired The First National Bank of Hugo | 3 | 0 | +3 | 9 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 36% | 29% | |
| 1-4 family residential | 23% | 32% | |
| Farmland | 17% | 10% | |
| Construction and land | 8% | 9% | |
| Agricultural | 7% | 7% | |
| Business (C&I) | 5% | 8% | |
| Multifamily | 3% | 2% | |
| Consumer | 1% | 2% | |
| Other | 0% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 53% | 49% | |
| Time deposits | 24% | 28% | |
| Noninterest-bearing | 23% | 23% |
Brokered deposits are 3.5% of deposits (peers 3.4%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.70% | 0.17% |
| Net charge-offs, annualized | 0.03% | 0.00% |
| Reserves to loans | 1.09% | 1.19% |
| Leverage ratio | 9.60% | 11.81% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Colorado
Largest competitors in Boulder County, CO
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/high-plains-bank-flagler-co