High Plains Bank (FDIC #418): Bank Stress & Real-Estate Credit Exposure

High Plains Bank (FDIC Cert #418): bank stress 48/100, moderate, STABLE over 7 days; parent HPB HOLDINGS INC.

High Plains Bank (#418) lends in 3 counties across 1 state; High Plains Bank (#418) reaches 39 ZIP codes: Oklahoma 3 counties, 39 ZIPs.

High Plains Bank (#418) largest markets: Washita County, OK (18 branches, 18 ZIPs) (#418), Blaine County, OK (14 branches, 14 ZIPs) (#418), Woods County, OK (8 branches, 8 ZIPs) (#418).

High Plains Bank (#418) reports $330.2 million in total assets; High Plains Bank (#418) equity $41.9 million (12.7% of High Plains Bank (#418) assets); High Plains Bank (#418) domestic deposits $285.0 million; High Plains Bank (#418) net income $2.8 million; High Plains Bank (#418) return on assets 1.66%; High Plains Bank (#418) return on equity 13.81%; High Plains Bank (#418) net interest income $6.4 million; High Plains Bank (#418) call report June 30, 2026.

High Plains Bank (#418) noncurrent real-estate loans: none reported; High Plains Bank (#418) residential -0.05%; High Plains Bank (#418) net charge-offs on real estate 1.52%; High Plains Bank (#418) residential charge-offs 2.77%.

High Plains Bank (#418) net interest margin 4.01% against an eight-quarter High Plains Bank (#418) average of 3.80% (High Plains Bank (#418) compression -0.21 points); High Plains Bank (#418) non-residential real estate 276.8% of equity; High Plains Bank (#418) rate-exposure score 40/100, High Plains Bank (#418) fixed-rate trap 40/100; High Plains Bank (#418) risk type credit driven; High Plains Bank (#418) rate regime rates elevated, High Plains Bank (#418) snapshot October 20, 2026.

High Plains Bank (#418) stress score moved from 48.9 on June 22, 2026 to 47.9 on October 20, 2026; High Plains Bank (#418) ranged 47.9 to 48.9 over 117 snapshots.

High Plains Bank (#418) alerts: 3 counties; top High Plains Bank (#418) alert scores: Alva County, OK 18 (low); Cordell County, OK 18 (low); Okeene County, OK 18 (low).