Side-by-side · Q2 2026 data
High Plains Bank vs FMS Bank
Metric by metric
| Measure | High Plains Bank | FMS Bank |
|---|---|---|
| TellerScore | 74 (stronger) | 48 |
| Capital cushion | 46 | 48 (stronger) |
| Loan quality | 77 (stronger) | 43 |
| Earnings | 100 (stronger) | 28 |
| Funding & liquidity | 78 (stronger) | 65 |
| Problem-loan coverage | 89 (stronger) | 74 |
| Peer percentile | 57th | 6th |
| Total assets | $643.1M | $324.8M |
| Deposits / shares | $567.0M | $291.8M |
| Capital ratio | 9.60% | 9.85% (stronger) |
| Problem loans | 0.70% (stronger) | 1.71% |
| Net charge-offs | 0.03% (stronger) | 1.57% |
| Return on assets | 2.22% (stronger) | 0.20% |
| Loans ÷ deposits | 80.7% (stronger) | 88.7% |
| Uninsured deposits | 16.4% (stronger) | 21.5% |
| Offices | 8 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.3% | 5.6% |
High Plains Bank has the higher TellerScore (74 vs 48). On the 7 directional measures above (where higher or lower is clearly better), High Plains Bank leads on 6 and FMS Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.