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329 Main Avenue
Flagler, CO 80815

High Plains Bank (CO) is headquartered in Flagler and is the 60th largest bank in the state of Colorado. It is also the 4,332nd largest bank in the nation. It was established in 1908 and as of March of 2014, it had grown to 44 employees at 4 locations. High Plains Bank (CO) has a A+ health rating.

Reviews (1)

Watch Out In Bennett

This bank in Bennett, colorado needs to educate its employees regarding privacy. Bennett, is a small town and the employees in this bank tell Bennett residents about their customers.  This is the second time this has happened.  Its unbelievable. 

Please call a meeting with your employees and remind them of privacy






Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 High Plains Bank (CO) had $741,000 in non-current loans and owned real-estate with $12.54 million in equity and loan loss allowances on hand to cover it. This gives High Plains Bank (CO) a Texas Ratio of 5.91% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for High Plains Bank (CO) decreased dramatically from 13.41% as of March 31, 2013 to 5.91% as of March 31, 2014, resulting in a positive change of 55.93%.This indicates that the balance sheet and financial strength for High Plains Bank (CO) has improved dramatically in recent periods.

Deposit Growth


In the past year, High Plains Bank (CO) has increased its total deposits by $4.91 million, resulting in 5.08% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth High Plains Bank (CO) has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. High Plains Bank (CO) has $117.81 million in assets with $12.54 million in equity, resulting in a capitalization level of 10.64%, which is above average.

Institution Statistics

FDIC Certificate #3017
Year Established1908
Primary RegulatorFED
Assets and Liabilities
Assets$117.81 million
Loans$87.00 million
Deposits$101.64 million
Equity Capital$11.13 million
Loan Loss Allowance$1.41 million
Unbacked Noncurrent Loans$215,000
Real Estate Owned$526,000
Historic Data - March 2013
Assets$111.27 million
Equity Capital$10.57 million
Loan Loss Allowance$1.49 million
Unbacked Noncurrent Loans$215,000
Real Estate Owned$1.34 million
Profit Margin - Quarterly
Return on Assets1.45%
Return on Equity15.22%
Interest Income$1.37 million

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High Plains Bank (CO) Savings Account Rates

0.35%--IRA Savings Account
0.35%--Health Savings Account
0.35%-$2,400Christmas Club Savings Account
0.11%--Young Banker Savings Account
0.10%--Regular Savings Account

High Plains Bank (CO) Money Market Rates

0.15%$500k-Money Market Checking Account

High Plains Bank (CO) Checking Account Rates

0.05%$1k-NOW Checking Account
0.05%--Interest Bearing Business Checking

High Plains Bank (CO) CD Rates

1.00%$1k-30 Month CD Special
0.80%$1k$100k3 Year CD
0.70%$50-Nest Egg Relationship CD
0.50%$1k$100k2 Year CD
0.35%$1k-15 Month Add-on CD
0.30%$50k$100k6 Month CD
0.30%$1k$100k1 Year CD
0.15%$50k$100k3 Month CD
0.10%$50k$100k1 Month CD

High Plains Bank (CO) Locations
Bennett Branch235 South Ash StreetBennett, CO 80102
High Plains Bank329 Main AvenueFlagler, CO 80815
Wiggins Branch502 CentralWiggins, CO 80654
Longmont Branch600 Kimbark StreetLongmont, CO 80501